JP5341859B2 - Order processing system and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an ordering processing system and its method which allow a customer to keep a deposit balance at more than a fixed amount without requiring labor and time. <P>SOLUTION: In the ordering processing system 10, a sale condition establishment determination processing means 24 determines an establishment of a sale condition that the deposit balance is equal to or less than a threshold for sale, and when the sale condition is established a sold stock and quantity determination processing means 25 determines a stock and its quantity to be sold from among stocks held by the customer. An ordering processing means 28 orders a sell order to a trading market based on the determination, a contract processing means 29 receives contract data and a deposit instruction processing means 30 transmits the contract amount as a deposit amount for a saving account to a deposit management system 50 via a communication line 1. <P>COPYRIGHT: (C)2012,JPO&amp;INPIT

Description

  The present invention relates to an order processing system configured by a computer that executes processing for placing a purchase order of a financial product by a customer into a market, a method thereof, and a program. For example, a securities company system and a bank deposit management system are provided. It can be used when linking.

  In general, a bank system has a management function of a deposit account, and a securities company system has a management function of a general securities account by an MRF (Money Reserve Fund) or the like. For the former bank deposit account, there is an account withdrawal function, whereas account transfer is one of the banking operations and cannot be performed by a securities company. There is no direct debit function for accounts. Therefore, various deductions such as utility bills and membership fees made in bank deposit accounts cannot be substituted with a general securities account such as MRF.

  For this reason, the bank's deposit balance decreases due to various withdrawals such as utility bills and withdrawals for convenience, but on the other hand, if the deposit account is designated as a transfer account for salary or bonus, it will be periodically May increase due to possible deposits and usually fluctuates due to these various factors.

  By the way, a customer who has opened a deposit account in a bank may want to maintain a deposit balance of a certain amount or more in the bank so that necessary cash can be obtained immediately in preparation for illness, for example.

  In addition, the deposit automatic maintenance system which made it possible to set the upper limit and the lower limit of a balance and to maintain it at a fixed level about the deposit from the customer deposited in the securities company is known (refer patent document 1).

JP 2006-215848 A

  As mentioned above, various deductions such as utility bills and membership fees made in bank deposit accounts cannot be substituted with MRF and other securities general accounts. If you try to keep it above a certain amount, balance the deposits and withdrawals so that there are more deposits such as salary and bonus transfers than various withdrawals such as utility bills and withdrawals due to circumstances I have to keep it.

  In addition, when this balance is lost, the shortage of the deposit balance can be satisfied by the sale of assets such as stocks. To achieve this, conventionally, the customer has performed a procedure to sell the assets held. Furthermore, since the funds obtained from the sale of the assets held are deposited into the securities general account, the customer has to go through procedures to transfer the funds from the securities general account to the bank deposit account. It took.

  An object of the present invention is to provide an order processing system, a method thereof, and a program that allow a customer to maintain a deposit balance of a certain amount or more without taking time and effort.

  The present invention is an order processing system configured by a computer that executes processing for placing a purchase order of a financial product by a customer into a market, and the quantity of each stock of the financial product held by the customer is changed to customer identification information and a stock. A process of acquiring a customer's deposit balance via a communication line from a deposit management system comprising a stored balance storage means that stores the identification information in association with a computer that manages the customer's deposit at the time of updating the balance and / or periodically A deposit balance acquisition processing means for executing, a trading condition storage means for storing a threshold for selling a financial product defined by the size of the deposit balance managed by the deposit management system in association with customer identification information, and a financial product When executing processing to obtain market price data for each issue via a communication line from other trading market systems or other market price data providing systems Data acquisition processing means and processing for determining success / failure of the sale condition that the current deposit balance acquired by the deposit balance acquisition processing means is less than or less than the threshold for sale stored in the sale condition storage means When the sale condition success / failure determination processing means and the sale condition success / failure determination processing means determine that the sale condition is satisfied, at least one of the brands held by the customer stored in the holding balance storage means is determined as the sale brand At the same time, the sale item that executes the process of determining the sale quantity of the issue to be sold by dividing the amount obtained by subtracting the current deposit balance from the threshold for sale by the market value data of the sale issue acquired by the market value data acquisition processing means.・ Quantity determination processing means and order data for selling order to sell sold brands determined by the sold brand / quantity determination processing means And order processing means for executing processing for transmitting the created order data to the transaction market system via a communication line, and receiving contract order data transmitted from the transaction market system via the communication line A deposit processing instruction for executing processing, and a deposit instruction for executing processing for transmitting the contract amount of the contract order data received by the contract processing unit to the deposit management system as a deposit amount to the deposit management system via a communication line A holding balance update for executing a processing means and an update process for subtracting a fixed amount of the contract order data received by the contract processing means from the quantity stored in the holding balance storage means in association with the brand identification information of the sold brand And a processing means.

  Here, “financial products” include, for example, foreign exchange margin trading (FX), stock options and the like in addition to securities such as stocks, bonds, and investment trusts. The same applies to the following inventions.

  Financial institutions that operate and manage the “deposit management system” are mainly banks, but also include, for example, credit unions, credit unions, labor unions, etc., in other words, institutions that handle customer deposits. That's fine. In addition, when a current law is amended and a securities company or the like can handle ordinary deposits or the like, the securities company or the like may be a financial institution that operates and manages the deposit management system. Therefore, for example, a computer that places an order to buy and sell financial products such as stocks and a computer that constitutes a deposit management system are mainly operated and managed by different financial institutions. Both computers may be operated and managed. The same applies to the following inventions.

  In such an order processing system of the present invention, the sale condition success / failure determination processing means determines the success / failure of the sale condition that the deposit balance is less than or less than the threshold for sale, and this sale condition is satisfied. The sale brand / quantity decision processing means determines the sale brand and sale quantity. Based on this decision, the purchase order is placed by the order processing means, and the contract processing means receives the execution data. The amount is sent to the deposit management system as a deposit amount to the deposit account via a communication line.

  As a result, even if the deposit balance falls below or below the threshold for sale, the system will sell the financial products held by the customer, and the funds obtained by the sale will be deposited into the deposit account by the system. As a result, the deposit balance can be recovered to the threshold for sale. At this time, the sale processing of financial products and the deposit processing to the deposit account are performed by this system, so the customer maintains the deposit balance at a certain amount, that is, above the threshold for sale, without taking time and effort. And the above-mentioned purpose is achieved.

  Further, in the order processing system described above, the buying and selling condition storage means associates the threshold for purchase of financial products determined by the size of the deposit balance managed by the deposit management system with the customer identification information in addition to the threshold for sale. The trading history storage means for storing the contract amount of the contract data of the sell order received by the contract processing means in association with the brand identification information of the sold brand, and the current status acquired by the deposit balance acquisition processing means. A purchase condition success / failure determination processing means for executing a process of determining whether or not the purchase condition that the deposit balance exceeds the purchase threshold stored in the trading condition storage means or is equal to or greater than the purchase threshold; If it is determined by the purchase condition success / failure determination processing means that the purchase condition is satisfied, at least one of the sold brands stored in the trading history storage means Within the range of a fixed amount of sold brands stored in the trading history storage means, and within a range equivalent to the amount equivalent to the current deposit balance minus the purchase threshold. The purchased brand / quantity determination processing means for executing the process of determining the purchase quantity of the purchased brand, and the purchased brand acquired by the market price data acquisition processing means to the purchase quantity of the purchased brand determined by the purchased brand / quantity determination processing means. The purchase amount obtained by multiplying the current market price data is sent to the deposit management system via the communication line as the withdrawal request amount from the deposit account, and the deposit account sent from the deposit management system via the communication line A withdrawal instruction processing means for executing a process of receiving a withdrawal amount from the order, and the order processing means receives the withdrawal amount from the deposit account by the withdrawal instruction processing means. In addition, a configuration that creates purchase order data for purchasing the purchase brand determined by the purchase brand / quantity determination processing means, and also executes processing for transmitting the created order data to the trading market system via a communication line. The contract processing means is also configured to execute processing for receiving the contract data of the buy order transmitted from the trading market system via the communication line, and the retained balance update processing means is received by the contract processing means. It is desirable that the update processing for adding the contract amount of the contract data of the purchase order to the quantity stored in the retained balance storage means in association with the brand identification information of the purchase brand is also executed.

  Whether the deposit balance exceeds the purchase threshold when the transaction history storage unit, purchase condition success / failure determination processing unit, purchased brand / quantity determination processing unit, and withdrawal instruction processing unit are provided. When the purchase condition that the purchase threshold is equal to or greater than the purchase threshold is satisfied, it is possible to repurchase the possessed assets released in the sale process for maintaining the deposit balance. As a result, the customer originally held the financial product with some intention and built a portfolio. Can be done.

  Further, as described above, in the case of the configuration including the trading history storage means, the purchase condition success / failure judgment processing means, the purchased brand / quantity determination processing means, and the withdrawal instruction processing means, the trading history storage means is a contract processing means. In addition to the contract amount of the contract data of the sell order received by, the contract unit price is also stored in association with the brand identification information of the sold brand, and the purchased brand / quantity determination processing means is purchased by the purchase condition success / failure judgment processing means. When it is determined that the condition is satisfied, the market price data of the brand acquired by the market price data acquisition processing unit for the sold brand stored in the trading history storage unit is obtained from the contract unit price of the brand stored in the trading history storage unit. If the price is too high, a process for determining that the brand is not a purchased brand may be executed.

  In this way, when the market price data is higher than the contracted unit price at the time of sale, if the stock is not considered as a purchase stock, the stock will be sold at a low price and repurchased at a high price. It is possible to avoid this, and it is possible to prevent loss due to the difference between the selling price and the buying price in the process of selling and buying back assets to maintain the deposit balance above a certain amount. It becomes.

  As described above, in the case of the configuration including the trading history storage means, the purchase condition success / failure judgment processing means, the purchased brand / quantity determination processing means, and the withdrawal instruction processing means, the trading history storage means is a contract processing means. In addition to the contract amount of the contract data of the sell order received by, the contract unit price is also stored in association with the brand identification information of the sold brand, and the purchased brand / quantity determination processing means is purchased by the purchase condition success / failure judgment processing means. When it is determined that the condition is satisfied, the contract price per unit price of the stocks stored in the trading history storage unit is compared with the descending rate or rate of decrease in the market price data of the symbol acquired by the market price data acquisition processing unit. It is good also as a structure which performs the process which determines a brand as a purchase brand.

  In this way, when the purchase stock is determined in descending order of the decline in the market price data from the unit price at the time of sale or the rate of decline, the stock is sold at a high price and repurchased at a low price. Purchased brands can be determined in the order in which the profit from the difference from the purchase price can be greatly enjoyed.

  Further, as described above, in the case of the configuration including the trading history storage means, the purchase condition success / failure judgment processing means, the purchased brand / quantity determination processing means, and the withdrawal instruction processing means, the trading condition storage means is a threshold for sale. In addition to the purchase threshold, the purchase priority specified by the customer when buying back the sold brand stored in the trading history storage unit is stored in association with the customer identification information. The sale brand stored in the trading history storage means may be configured to execute a process of determining as a purchased brand in accordance with the purchase priority stored in the trading condition storage means.

  In this way, when the customer specifies the purchase priority order and determines the purchased stocks according to the specified order, the sold stocks can be bought back in the customer's intended order, It becomes possible to quickly return the portfolio to the original state, that is, the state intended by the customer.

  Further, in the order processing system described above, the retained balance storage means stores the average acquisition unit price in association with the customer identification information and the brand identification information in addition to the quantity of each brand of the financial product held by the customer. The sale brand / quantity determination processing means obtains the brand price stored in the holding balance storage means from the market price data of the brand acquired by the market price data acquisition processing means for the customer's holding brand stored in the holding balance storage means. Holding balance storage means in descending order of unrealized profit based on unit price obtained by subtracting the average acquisition unit price, or in descending order of unrealized profit on the basis of the total price obtained by multiplying the unrealized profit based on unit price by the quantity of the customer's holding stock stored in the holding balance storage means It may be configured to execute a process of determining a brand to be sold out of brands held by the customer stored in.

  In this way, when the issue brands are determined in descending order of the unrealized gain, it is possible to secure a larger profit on sale when the owned brands are sold.

  Then, in the case where the sold brands are determined in descending order of unrealized gain as described above, the sold brand / quantity determination processing unit acquires the customer's held brands stored in the holding balance storage unit by the market price data acquisition processing unit. It may be configured to execute a process of determining that a brand having an unrealized loss whose market price data of the brand is lower than the average acquisition unit price of the brand stored in the retained balance storage means is not to be sold.

  In this way, when a brand having an unrealized loss is configured not to be a sale brand, it is possible to prevent a sale loss from occurring when selling the brand.

  Further, in the order processing system described above, the trading condition storage means, in addition to the threshold for sale, the customer-specified priorities at the time of sale when selling the customer's possessed stock stored in the retained balance storage means, The sale brand / quantity determination processing unit is configured to store the brand name of the customer stored in the holding balance storage unit in accordance with the priority order at the time of sale stored in the trading condition storage unit. It is good also as a structure which performs the process determined as.

  In this way, if the customer specifies the sale priority and determines the sale issue according to the specified order, it will be possible to sell the owned issue in the customer's intended order, It becomes possible to leave the portfolio after sale in a state close to the state intended by the customer.

  Furthermore, in the order processing system described above, the trading condition storage means stores a basic sale threshold value that is normally applied as a sale threshold value, and a temporary sale threshold value that is applied only when designated. The sale condition success / failure determination processing means stores the current deposit balance acquired by the deposit balance acquisition processing means at a time other than the specified time stored in the trading condition storage means. Judgment of the success or failure of the sale condition that is less than or less than the basic sale threshold stored in the condition storage means, and at the time of designation stored in the sale condition storage means, the current balance acquired by the deposit balance acquisition processing means The sale condition is satisfied that the deposit balance is less than or less than the temporary sale threshold stored in the sale condition storage means associated with the specified time. It may be configured to execute the process of determining.

  In this way, when it is configured to perform sale condition success / failure judgment processing using a temporary sale threshold, it becomes possible to manage the deposit balance more flexibly, and the deposit balance more in line with customer needs Management is realized.

  In the order processing system of the present invention described above, the sale condition success / failure determination processing means determines the success / failure of the sale condition that the deposit balance is less than or less than the threshold for sale, or the purchase condition success / failure determination. The processing means was configured to determine the success or failure of the purchase condition that the deposit balance exceeds the purchase threshold or is equal to or greater than the purchase threshold, but from the deposit management system as follows, The sale condition establishment notification or purchase condition establishment notification may be received via the communication line, and the same operation and effect can be obtained with such a configuration.

  That is, the present invention is an order processing system configured by a computer that executes processing for placing a purchase order of a financial product by a customer on the market, and the quantity of each brand of the financial product held by the customer is expressed as customer identification information. The sale condition that the deposit balance is less than or less than the threshold for sale of financial products from the deposit management system consisting of the holding balance storage means to store in association with the brand identification information and the customer's deposit management Sometimes a sale condition establishment notification reception processing means for executing a process of receiving a sale condition establishment notice transmitted via a communication line together with an amount obtained by subtracting the deposit balance from the threshold for sale, and a transaction market system for financial instruments or other Market price data that executes processing to obtain market price data for each brand from the current market price data provision system via a communication line When the sale condition establishment notification is received by the acquisition processing means and the sale condition establishment notification reception processing means, at least one of the brands held by the customer stored in the holding balance storage means is determined as a sale brand and received The sale brand / quantity determination process that executes the process of determining the sale quantity of the sold brand by dividing the amount obtained by subtracting the deposit balance from the sold threshold by the market price data of the sold brand acquired by the market price data acquisition processing means And the order data of the sell order for selling the sale brand determined by the sale brand / quantity determination processing means, and the process of transmitting the created order data to the trading market system via the communication line is executed. About order processing means and processing to receive the contract order data sent from the trading market system via the communication line Processing means, a deposit instruction processing means for executing processing for transmitting the contract amount of the contract order data received by the contract processing means to the deposit management system as a deposit amount to the deposit account via a communication line, and a contract Holding balance update processing means for executing an update process for subtracting the contract amount of the contract order data received by the processing means from the quantity stored in the holding balance storage means in association with the brand identification information of the sold brand. It is characterized by that.

  Further, in the order processing system described above, the transaction balance storage means for storing the contract amount of the contract order data received by the contract processing means in association with the brand identification information of the sold brand, and the deposit balance from the deposit management system. Purchase conditions that are sent via a communication line along with the amount obtained by subtracting the purchase threshold from the deposit balance when the purchase condition that the purchase threshold of the financial product is exceeded or exceeds the purchase threshold is established The purchase condition establishment notification reception processing means for executing the process of receiving the establishment notification, and when the purchase condition establishment notification is received by the purchase condition establishment notification reception processing means, of the sold brands stored in the trading history storage means At least the same brand as the brand is determined as the brand to be purchased, and the range of the contracted quantity of sold brands stored in the trading history storage means In addition, a purchased brand / quantity determination processing means for executing a process for determining a purchase quantity of the purchased brand within a range corresponding to an amount corresponding to the amount obtained by subtracting a purchase threshold from the received deposit balance, and the purchased brand / quantity determination The purchase amount obtained by multiplying the purchase quantity of the purchased issue determined by the processing means by the market price data of the purchased issue acquired by the market price data acquisition processing means is used as a withdrawal request amount from the deposit account to the deposit management system as a communication line. And a withdrawal instruction processing means for executing a process of receiving a withdrawal amount from a deposit account transmitted from the deposit management system via a communication line, and the order processing means includes a withdrawal instruction. When the withdrawal amount from the deposit account is received by the processing means, create order data for the buy order to purchase the purchased brand determined by the purchased brand / quantity determination processing means The processing for transmitting the created order data to the transaction market system via the communication line is also executed, and the contract processing means receives the contract order data transmitted from the transaction market system via the communication line. The holding balance update processing means is configured to execute the processing, and the quantity stored in the holding balance storage means in association with the brand identification information of the purchased brand, the contract amount of the contract data of the purchase order received by the contract processing means. It is desirable that the update processing to be added to is also executed.

  Even if the deposit management system is configured to receive a sale condition establishment notification or purchase condition establishment notification via a communication line, if the market price data is higher than the contract price at the time of sale, that brand is purchased. Configuration in which purchase issues are determined in descending order of the decline or rate of decline in market value data from the unit price at the time of sale, configuration in which customers specify purchase priorities in accordance with the specified order, and unrealized gains A configuration in which sold stocks are determined in descending order, a stock that has unrealized losses is not used as a sold stock, a configuration in which a customer designates priorities at the time of sale and determines the sold stocks in accordance with the designated order, The sale condition establishment notice reception processing means may be configured to receive a sale condition establishment notice as a result of determining whether or not the sale condition is established using a temporary sale threshold.

  Further, as an order processing method realized by the order processing system of the present invention described above, the following order processing method of the present invention can be cited.

  That is, the present invention is an order processing method executed by an order processing system configured by a computer that executes processing for placing a purchase order of a financial product by a customer on the market, and each brand of the financial product held by the customer. Is stored in the retained balance storage means in association with the customer identification information and the brand identification information, and the deposit balance acquisition processing means is connected to the customer deposit via the communication line from the deposit management system comprising a computer that manages the customer deposit. Execute processing to acquire the balance at the time of updating the balance and / or periodically, and associate the sales threshold of the financial product determined by the size of the deposit balance managed by the deposit management system with the customer identification information Stored in the trading condition storage means, and the market price data acquisition processing means is a transaction market system for financial products or other market price data providing system. The sale of the current deposit balance acquired by the sale condition success / failure determination processing means by the deposit balance acquisition processing means is stored in the sale / sale condition storage means. Execute the process to determine whether or not the sale condition is less than or less than the threshold for use, and if the sale issue / quantity determination processing unit determines that the sale condition has been established by the sale condition success / failure determination process unit, At least one of the customer stocks stored in the balance storage means is determined as a sale stock, and the amount obtained by subtracting the current deposit balance from the threshold for sale is the value of the sale stock obtained by the market price data acquisition processing means By dividing by the market price data, the processing to determine the sale quantity of the brand to be sold is executed, and the order processing means is decided by the sale brand / quantity decision processing means. The order processing data for the selling order for selling the sold stock is created, the created ordering data is transmitted to the trading market system via the communication line, and the contract processing means transmits the communication line from the trading market system. The processing for receiving the contract order data received via the deposit processing means is executed, and the deposit instruction processing means deposits the contract amount of the contract order data received by the contract processing means as the deposit amount to the deposit account. Executes processing to transmit to the system via the communication line, and the retained balance update processing means stores the retained balance of the contract data of the sales order received by the contract processing means in association with the brand identification information of the sold brand Update processing for subtracting the quantity stored in the means is performed.

  The present invention also relates to an order processing method executed by an order processing system configured by a computer that executes processing for placing a purchase order of a financial product by a customer on the market, and each brand of the financial product held by the customer. Is stored in the holding balance storage means in association with the customer identification information and the brand identification information, and the sale condition establishment notification reception processing means is from a deposit management system comprising a computer for managing customer deposits, and the deposit balance is a financial product. When the sale condition of less than or less than the threshold for sale is established, execute the process of receiving the sale condition establishment notification transmitted via the communication line together with the amount obtained by subtracting the deposit balance from the threshold for sale, Market price data acquisition processing means, each stock name from the financial market market system or other market price data providing system via a communication line When the sale brand / quantity determination processing unit receives the sale condition establishment notification by the sale condition establishment notification reception processing unit, the process of acquiring the market price data is executed. At least one of these issues is determined as a sale issue, and the sale price of the sale issue is divided by dividing the amount obtained by subtracting the deposit balance from the received threshold for sale by the market value data of the sale issue acquired by the market value data acquisition processing means. Executes the process to determine the quantity, and the order processing means creates the order data of the sell order for selling the sold brand determined by the sold brand / quantity determination processing means, and communicates the created order data to the trading market system Executes the process of transmitting via the line, and the contract processing means executes the contract for the sell order transmitted from the trading market system via the communication line. The deposit instruction processing unit transmits the contract amount of the contract order data received by the contract processing unit to the deposit management system via the communication line as the deposit amount to the deposit account. The processing is executed, and the retained balance update processing means subtracts the contract amount of the contract data of the sell order received by the contract processing means from the quantity stored in the retained balance storage means in association with the brand identification information of the sold brand. Update processing is executed.

  In such an order processing method of the present invention, the operations and effects obtained by the above-described order processing system of the present invention can be obtained as they are, thereby achieving the object.

  The program of the present invention is for causing a computer to function as the order processing system described above.

  The above-mentioned program or a part thereof is, for example, a magneto-optical disk (MO), a read-only memory (CD-ROM) using a compact disk (CD), a CD recordable (CD-R), a CD rewritable (CD -RW), read-only memory (DVD-ROM) using digital versatile disk (DVD), random access memory (DVD-RAM) using DVD, flexible disk (FD), magnetic tape, hard disk, It can be recorded on storage media such as read-only memory (ROM), electrically erasable and rewritable read-only memory (EEPROM), flash memory, and random access memory (RAM) for storage and distribution. And, for example, a local area network (LA ), A metropolitan area network (MAN), a wide area network (WAN), a wired network such as the Internet, an intranet, or an extranet, or a wireless communication network, or a combination thereof. It is also possible to carry it on a carrier wave. Furthermore, the above program may be a part of another program, or may be recorded on a recording medium together with a separate program.

  As described above, according to the present invention, the success or failure of the sale condition that the deposit balance is less than or less than the threshold for sale is determined, and the sale condition is determined to be satisfied, or the sale is made from the deposit management system. When receiving a notification that the conditions have been met, determine the brand to be sold and the quantity to be sold, place an order, and send the contract amount as the deposit amount to the deposit account via the communication line to the deposit management system. There is an effect that a deposit balance of a certain amount or more can be maintained without spending.

1 is an overall configuration diagram of an order processing system according to an embodiment of the present invention. The block diagram of the ordinary deposit mirror remaining storage means of the said embodiment. The record block diagram of the trading condition storage means of the embodiment. The block diagram of the possession balance memory | storage means of the said embodiment. The block diagram of the sales history memory | storage means of the said embodiment. The block diagram of the market price data memory | storage means of the said embodiment. The figure of the flowchart which shows the flow of the ordering process accompanying the increase / decrease in the deposit balance of the said embodiment. The figure which shows an example of the condition setting screen of the said embodiment. The figure which shows the specific example of transition of the deposit balance of the said embodiment, and the sales order processing accompanying it. The whole block diagram which shows the modification of this invention.

  An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 shows the overall configuration of the order processing system 10. FIG. 2 shows an example of the configuration of the ordinary deposit mirror remaining storage unit 40, FIG. 3 shows an example of the record configuration of the trading condition storage unit 41, and FIG. An example of the configuration is shown, FIG. 5 shows an example of the configuration of the trading history storage unit 43, and FIG. 6 shows an example of the configuration of the market price data storage unit 44. Also, FIG. 7 shows a flow chart of the ordering process accompanying the increase / decrease of the deposit balance, FIG. 8 shows an example of the condition setting screen 100, and FIG. A specific example of the accompanying purchase order processing is shown.

  In FIG. 1, an order processing system 10 is a securities company comprising one or a plurality of computers that execute processing for ordering financial products held by customers (in the present embodiment, stock is taken as an example) to a trading market. A system 20 is provided. The securities company system 20 is connected to a deposit management system 50 for managing a bank deposit account (in the present embodiment, an ordinary deposit account is used as an example) via the communication line 1. The transaction market system 60 is connected, the market price data providing system 70 is connected via the communication line 3, and the terminal device 80 operated by the customer or its input agent is connected via the communication line 4.

  Here, the communication line 1 connecting the securities company system 20 and the deposit management system 50 is a dedicated line as an example in the present embodiment, but may be a network. The communication line 2 connecting the securities company system 20 and the transaction market system 60 is usually a dedicated line, but may be a network. Further, the communication line 3 connecting the securities company system 20 and the market price data providing system 70 may be a dedicated line or a network. In this embodiment, the communication line 4 that connects the securities company system 20 and the terminal device 80 is a network, for example, the Internet, an intranet, an extranet, a LAN, a MAN, a WAN, or a combination thereof. Various forms are included, regardless of whether they are wired or wireless, or mixed wired and wireless.

  The securities company system 20 includes one or a plurality of computers. The trading condition setting processing unit 21, the deposit balance acquisition processing unit 22, the market price data acquisition processing unit 23, the sale condition success / failure determination processing unit 24, Sold brand / quantity determination processing means 25, purchase condition success / failure determination processing means 26, purchased brand / quantity determination processing means 27, order processing means 28, contract processing means 29, deposit instruction processing means 30, and withdrawal Instruction processing means 31, retained balance update processing means 32, ordinary deposit mirror remaining storage means 40, trading condition storage means 41, retained balance storage means 42, trading history storage means 43, and market price data storage means 44 It is comprised including.

  The trading condition setting processing means 21 receives a display request signal for the condition setting screen 100 (see FIG. 8) transmitted from the terminal device 80 via the communication line 4 by the operation of the customer or its input agent. Using the customer identification information of the customer related to the display request as a key, condition setting is performed using the customer's possessed balance and trading history acquired from the holding balance storage means 42 (see FIG. 4) and the trading history storage means 43 (see FIG. 5). Display data for the screen 100 (for example, Web screen data) is created, and the created display data for the condition setting screen 100 is transmitted to the terminal device 80 via the communication line 4, and the customer or its input agent The sales condition data input by the user on the condition setting screen 100 and transmitted from the terminal device 80 via the communication line 4 is received, and the received sales condition data is received. The, and it executes the process of storing the customer identification information of securities companies (comprehensive securities account account number) in association with trading condition storage unit 41 (see FIG. 3).

  Here, in the sales conditions, when selecting to set a basic threshold for sales and a threshold for temporary sales, each designated time (from) and (to), and temporary sales at each designated time Set threshold, sale issue determination condition, issue identification information of each issue when selecting to sell in specified order as sale issue determination condition, their specified order (priority at the time of sale), and purchase threshold Purchase threshold, purchase brand determination conditions, and brand identification information of each brand when purchasing is selected in the specified order as purchase brand determination conditions and their specified order (priority at the time of purchase) And the reference start time of the trading history.

  The deposit balance acquisition processing means 22 is a deposit balance of a deposit account transmitted from the bank's deposit management system 50 via the communication line 1 by the deposit balance management processing means 51 (in this embodiment, as an example, an ordinary deposit balance storage). Bank saving customer account information (in this embodiment, the account number of the savings account is used as an example in this embodiment) or a securities company customer. Received together with the identification information (in this embodiment, the account number of the securities general account as an example), the received ordinary deposit balance is converted into the received customer identification information for bank (account number of the ordinary account). The customer identification information for the securities company (account number of the securities general account) or the customer identification information for the securities company (account number of the securities general account) obtained in the Over the remaining storage unit 40 and executes a process for storing (see Figure 2). At this time, conversion processing from customer identification information for banks (account number of savings account) to customer identification information for securities companies (account number of securities general account) is converted into customer identification information (account number) conversion table storage means. The ordinary deposit mirror remaining storage means 40 (see FIG. 2) functioning as If the bank customer identification information (account number of the savings account) and the securities company customer identification information (account number of the securities general account) are shared, this conversion process is unnecessary.

  In the present embodiment, the deposit balance acquisition processing means 22 is updated in real time from the bank deposit management system 50 every time the ordinary deposit balance stored in the ordinary deposit balance storage means 52 of the bank deposit management system 50 is updated. The updated ordinary deposit balance transmitted in step S3 is stored in the ordinary deposit mirror remaining storage means 40 (see FIG. 2) immediately after receiving the updated ordinary deposit balance, so that the ordinary deposit mirror remaining update process is performed in real time. Yes. Note that the deposit balance management processing means 51 transmits the deposit balance from the bank deposit management system 50 (the ordinary deposit balance stored in the ordinary deposit balance storage means 52) whenever the ordinary deposit balance is updated. Instead, it may be performed periodically, or may be performed periodically and at the time of updating the deposit balance. Further, the deposit balance acquisition processing means 22 does not receive the deposit balance from the deposit management system 50 at the timing managed by the bank deposit management system 50, but the timing at which the deposit balance acquisition processing means 22 manages the deposit balance management system 50 itself. The deposit balance may be acquired by making a transmission request for the deposit balance at the timing (ie, the timing managed by the securities company system 20).

  The market price data acquisition processing means 23 sends the market price data of each brand of the financial product (in the present embodiment, it is assumed as an example) from the market price data providing system 70 together with the brand identification information (brand code etc.) to the communication line. 3 is performed repeatedly, and the acquired market price data is associated with the brand identification information and stored in the market price data storage means 44 (see FIG. 6). This market price data acquisition processing means 23 acquires the latest market price information in real time or substantially real time and stores it in the market price data storage means 44 during the transaction time.

  The sale condition success / failure determination processing means 24 targets all customers, and for each customer, uses the customer identification information for the securities company (account number of the securities general account) for the customer to be processed as a key and the balance of the ordinary deposit mirror. The current bank savings balance (the latest stored ordinary savings mirror balance) is acquired from the storage means 40 (see FIG. 2), and the sale threshold is set from the trading condition storage means 41 (see FIG. 3). Acquired and executes a process of determining success or failure of the sale condition that the current bank savings balance is less than or less than the threshold for sale.

  Here, the sale condition success / failure determination processing means 24 sends not only the basic sale threshold value but also at least one set of (self) and (to), and extraordinary to the sale condition storage means 41 (see FIG. 3). If the thresholds for sale are stored, the thresholds for the sale (temporary) and (to) and the temporary sale are also acquired, and the decision processing point of success / failure of the sale conditions corresponds to any of the designations In more detail, if it is determined whether it falls within the range from any specified time (from) to specified time (to), and if it is determined to be applicable at any specified time Determines the success or failure of the sale condition using the temporary sale threshold value at the time of the designation, not the basic sale threshold value. Note that the same day may be specified at the time of designation (self) and at the time of designation (to), in which case the balance of ordinary deposits is secured for at least the temporary sale threshold for that designated date. Will be. In the present embodiment, the designation time (self) and the designation time (to) are specified in date units. However, it may be possible to specify in a unit with more detailed time. In this case, if the same date / time is designated, the balance of the ordinary deposit is secured at least for the temporary sale threshold for the designated time on the designated date.

  When the sale condition / quantity determination processing means 25 determines that the sale condition is satisfied by the sale condition success / failure determination processing means 24, the sale brand / quantity determination processing means 25 out of the customer's possession brands stored in the retained balance storage means 42 (see FIG. 4). At least one issue is determined as a sale issue, and the sale price market price data (latest unit price data) stored in the market price data storage means 44 (see FIG. 6) is acquired using the sale brand identification information as a key. The market value data of the securities sold is the amount obtained by subtracting the current bank savings balance (ie, the amount that is insufficient with respect to the threshold for sale) from the threshold for sale (basic sale threshold or temporary sale threshold) The process of determining the sale quantity of the brand to be sold is executed by dividing by. The meaning of “determining at least one of the stocks held by the customer as a stock sold” means that if there are stocks that satisfy the criteria for selling stock, one or more stocks are sold. If there are no issues that meet the criteria for determining stocks sold (for example, when stocks with unrealized losses are chosen not to be sold, all stocks have unrealized losses. In other cases, it is not necessary to determine the brand to be sold (that is, it is not necessary to sell the brand to be held).

  Here, when the sold brand / quantity determination processing means 25 determines the sold brand, the sold brand / quantity determination processing means 25 acquires the sold brand determination condition stored in the trading condition storage means 41 (see FIG. 3), and according to the sold brand determination condition. Determine the brand to be sold. Specifically, the sale brand / quantity determination processing unit 25 stores the “1 (sell in the specified order)” as the sale brand determination condition from the trading condition storage unit 41 and stores each brand name. The brand identification information and the priority at the time of sale are acquired, and the brands to be sold are selected in descending order of the priority at the time of sale from among the brands held by the customer stored in the held balance storage means 42 (see FIG. 4). At this time, if the quantity of the selected brand sold (the quantity that can actually be sold) is less than the quantity sold of the brand that has been tentatively determined by division, the quantity held (the quantity held) Are all adopted as the sale quantity of the sale issue, and the process of determining the issue with the next highest priority at the time of sale is repeated. In other words, if the quantity of the selected issue is less than the sale quantity of the sale issue tentatively determined by division, the sale issue is used as the sale quantity of the sale issue. , The value of the first selected sale issue from the sale threshold (basic sale threshold or temporary sale threshold) minus the current bank savings balance (ie, the shortage relative to the sale threshold) The remaining shortage amount is calculated by subtracting the sale amount (expected amount obtained from the sale) by multiplying the possessed quantity (the quantity that can actually be sold) and the market price data (latest unit price data) of the issue. By dividing this remaining shortage amount by the market value data (latest unit price data) of the second selected sale issue, the sale quantity of the second selected sale issue is provisionally Then, if the possession quantity (the quantity that can actually be sold) of the second selected sale issue is less than the sale quantity of the sale issue tentatively determined by division, 2 The number of sold stocks selected for the second time is adopted as the sales volume of the sold stocks, and from the remaining shortage amount, the number of held stocks for the second selected stock (the amount that can actually be sold) and Calculate the remaining shortage amount by subtracting the sale amount (expected amount obtained from the sale) multiplied by the market price data (latest unit price data) of the stock, By dividing by the market price data (latest unit price data) of the selected sale issue, the sale quantity of the sale issue selected 3rd is tentatively determined, and thereafter N = 3, 4, 5, 6, ... and Nth If the number of stocks selected for sale (the amount that can actually be sold) is less than the number sold for the stocks tentatively determined by division, the Nth selected stocks held In addition to adopting the quantity as the sale quantity of the sale issue, the remaining number of deficits from the Nth selected sale issue (the quantity that can actually be sold) and the market price data of that issue (latest unit price) Data) and the sale amount (expected amount obtained by sale) is subtracted to newly calculate the remaining shortage amount, and the remaining shortage amount is calculated as the market price of the (N + 1) th selected issue. By dividing by the data (latest unit price data), the process of tentatively determining the sale quantity of the (N + 1) th selected issue is repeated, and the (N + 1) th selected issue is held When the quantity (the quantity that can actually be sold) is equal to or greater than the sale quantity of the sale issue tentatively determined by division, in other words, the sale quantity tentatively decided by division for the selected sale issue However, when it falls within the range of the number of stocks held (the amount that can actually be sold), the sales amount tentatively determined by the division is officially adopted as the sales amount, and repeated processing is performed. finish.

  Further, the sold brand / quantity determination processing means 25 stores the stored balance storage means 42 (see FIG. 4) when “2 (sale from a brand with a large unrealized gain)” is stored as the sold brand determination condition. For all of the brands held by the customer, the market price data (latest unit price data) of each brand is stored in the market price data storage means 44 (see FIG. 6) using the brand identification information as a key, The average acquisition unit price of each holding issue stored in the storage means 42 (see FIG. 4) is acquired, and the average profit per unit price of each holding issue is calculated by subtracting the average acquisition unit price from the market price data of each holding issue. Or a unit price based unrealized gain calculated by multiplying the unit price based unrealized profit by the quantity of each stock issue stored in the holding balance storage means 42 In order forehead base of unrealized gains is large, continue to select the sale of stocks from among the customers of holdings that has been stored in holding the balance storage means 42. In addition, when the possessed quantity (the quantity that can actually be sold) of the selected sale issue is less than the decided sale quantity of the sale issue, the process of determining the issue with the next largest unrealized gain as the sale issue is repeated. This is the same as the case where “1 (sell in the specified order)” is stored as the sale brand determination condition described above.

  Further, the sale brand / quantity determination processing means 25, when “3 (brands with unrealized losses are not sold)” is stored as the sale brand decision condition, “2 (brand with large unrealized gain) as sale brand decision conditions. The unrealized gain on a unit price basis of each holding stock is calculated in the same manner as in the case where “sale from” is stored, and the stock with negative unrealized gain (that is, the stock with unrealized loss) is not selected as the stock sold.

  The purchase condition success / failure judgment processing means 26 targets all customers, and for each customer, uses the customer identification information for the securities company (account number of the securities general account) for the customer to be processed as a key and the balance of the ordinary deposit mirror. From the storage means 40 (see FIG. 2), the current bank savings balance (the latest stored ordinary savings mirror balance) is acquired, and the purchase threshold is set from the trading condition storage means 41 (see FIG. 3). When it is set, the purchase threshold is acquired, and the current bank savings balance exceeds the purchase threshold or determines whether or not the purchase condition is met or not. It is something to execute. Note that the current bank savings balance acquisition process from the ordinary deposit mirror remaining storage unit 40 (see FIG. 2) is performed when the data acquired during the processing by the sale condition success / failure determination processing unit 24 remains in the main memory. In addition, the purchase threshold value acquisition process from the trading condition storage unit 41 (see FIG. 3) is also performed in accordance with the processing by the selling condition success / failure determination processing unit 24 and is already stored in the main memory. If the purchase threshold is stored, it may be omitted.

  When the purchase brand / quantity determination processing means 27 determines that the purchase conditions have been established by the purchase condition success / failure judgment processing means 26, the sold brand (sold brand / quantity) stored in the trading history storage means 43 (see FIG. 5). (Determined as a brand to be sold and determined by the decision processing means 25), a brand identical to at least one brand) is determined as a purchased brand, and a constant number of sold brands stored in the trading history storage means 43 And the purchase quantity of the purchased brand is determined within the range equivalent to the amount equivalent to the amount obtained by subtracting the purchase threshold from the current bank savings balance (that is, the amount equivalent to the excess amount relative to the purchase threshold). Is to execute. Accordingly, not all the amount obtained by subtracting the purchase threshold value from the current bank savings balance (that is, the excess amount with respect to the purchase threshold value) is used for the purchase funds, but the sold brand (sold brand / quantity determination processing means 25 The purchase is performed within the range of the constant amount of the brands determined and sold as the brands sold by the company (ie, the brands that have been ordered), that is, within the range of the buyback.

  The meaning of “determining the same brand as at least one of the sold brands as the purchased brand” means that if there are brands that satisfy the purchase brand decision condition, one or more brands are selected from those brands. This means that it is determined as a purchased issue, and if there are no issues that meet the purchase issue determination criteria (for example, if you choose not to purchase issues whose unit price has increased since the sale, When the unit price of the brand has increased since the sale, the purchase brand need not be determined (that is, the buy-back process for the brand sold may not be performed). Further, “within the range of approximately constant amount of sold brands stored in the trading history storage unit 43” means the quantity sold after the reference start time of the trading history stored in the trading condition storage unit 41 (see FIG. 3). The purpose is to repurchase the amount of money, so that only the quantity sold after the reference start time of the trading history is targeted. If done, it means that it is within the range of the total number of constant quantities at the time of multiple sales, and after the reference start time of sales history, one or more purchases (repurchase) after sale ) Is within the range of the quantity obtained by subtracting the total quantity of the contract quantity at the time of purchase or the contract quantity at the time of multiple purchases from the contract quantity at the time of sale.

  Here, when the purchased brand / quantity determination processing means 27 determines the purchased brand, the purchased brand / quantity determination processing means 27 acquires the purchased brand determination conditions stored in the trading condition storage means 41 (see FIG. 3), and follows the purchase brand determination conditions. , Determine the brand to be purchased. Specifically, the purchased brand / quantity determination processing unit 27 stores the purchase brand / quantity determination processing unit 27 from the trading condition storage unit 41 when “1 (purchase in a specified order)” is stored as the purchase brand determination condition. The brands acquired by acquiring the brand identification information and the priority order at the time of purchase and stored in the trading history storage means 43 (see FIG. 5) (determined as sold brands by the sold brand / quantity determination processing means 25, ordered, and executed) ), The purchase brands are selected in descending order of purchase priority. At this time, first, the amount obtained by subtracting the purchase threshold from the current bank savings balance (that is, the excess amount with respect to the purchase threshold) is the market price data (latest unit price data) of the first selected stock. The provisional purchase quantity of the first selected purchase issue is calculated, and the sale issue (the sale issue / quantity determination processing means 25 as the sale issue issue) is the same issue as the first selection issue issue. If the contract quantity of the stock that has been decided, ordered, and executed) is greater than or equal to the calculated provisional purchase quantity, the provisional purchase quantity (that is, a part of the contract quantity or the same quantity as the contract quantity) is determined as the purchase quantity. However, if the contract amount is less than the calculated provisional purchase quantity, the entire contract quantity is determined as the purchase quantity, and the amount obtained by subtracting the purchase threshold from the current bank savings balance ( Subtracting the purchase amount (the amount required for purchase) by multiplying the purchase quantity of the first selected purchase item and the market value data (latest unit price data) of that issue. To calculate the remaining excess amount, and then divide the calculated remaining excess amount by the market price data (latest unit price data) of the second selected purchase item Calculate the provisional purchase quantity of the purchased issue, and the sale issue (the issue that has been decided as a sale issue by the sale issue / quantity determination processing means 25 and ordered) If the contract amount is greater than or equal to the calculated provisional purchase quantity, the provisional purchase quantity (that is, &#360036; a part of the contract quantity or the same quantity as the contract quantity) is determined as the purchase quantity, and the contract quantity is calculated. Temporary purchase If it is less than the quantity, the entire fixed quantity is determined as the purchase quantity, and the purchase quantity of the second selected purchase brand and the market price data (latest unit price data) of the brand is selected from the remaining excess amount. By calculating the remaining excess amount by subtracting the purchased purchase amount (the amount necessary for purchase), and N = 3,4,5,6, ... By dividing by the market price data (latest unit price data) of the Nth selected purchased brand, the provisional purchase quantity of the Nth selected purchased brand is calculated and is the same as the Nth selected purchased brand. If the fixed amount of the sold brand (the brand that has been determined and sold as a sold brand by the sold brand / quantity determination processing means 25) is equal to or greater than the calculated provisional purchase quantity, &#360036; If the contract amount is less than the calculated provisional purchase quantity, the entire contract amount is determined as the purchase quantity and the remaining excess amount The remaining excess amount is newly calculated by subtracting the purchase amount (the amount required for purchase) by multiplying the purchase quantity of the Nth selected issue by the market price data (latest unit price data) of the issue. The calculation process is repeated, and the remaining excess amount disappears, or there are no sold stocks (stocks that have been determined and sold as sold stocks by the sold stock / quantity decision processing means 25). By the way, the iterative process is terminated.

  Further, the purchased brand / quantity determination processing means 27 uses “2 (Purchase from a brand with a large decline in unit price since sale)” or “3 (A large rate of decline in unit price since sale) as purchase brand determination conditions. Purchase from a brand) ”is stored, all of the sold brands stored in the trading history storage unit 43 (see FIG. 5) (however, stored in the trading condition storage unit 41 (see FIG. 3)). Market price data (latest unit price data) of each sold brand stored in the market price data storage means 44 (see FIG. 6) with the brand identification information as a key. And the market price data from the contract price for each sold brand by subtracting the market price data (latest unit price data) of each sold brand from the contracted unit price of each sold brand stored in the trading history storage means 43. Calculate the rate of decline or calculate the rate of decline in market value data for the contract price for each sold issue by calculating the rate of decline, or dividing the rate of decline by the contract price of each sold issue. From the sale brands stored in the trading history storage means 43 (see FIG. 5) in descending order (however, limited to the brands sold after the reference start time of the trading history stored in the trading condition storage means 41). , Determine the brand to be purchased. The point that the purchase quantity determination process and the remaining excess amount calculation process are repeated is the same as the case where “1 (purchase in a specified order)” is stored as the purchase brand determination condition described above.

  Further, the purchase brand / quantity determination processing means 27 stores the above-mentioned purchase brand determination condition when “4 (does not purchase brands whose unit price has increased since the sale)” is stored as the purchase brand determination condition. As “2 (Purchase from stocks with a large decline in unit price since the sale)” is calculated in the same manner as the case where the decline is calculated. (Increased stocks) are not selected as purchased stocks.

  The order processing means 28 uses the brand identification information and the sale quantity of the sold brand determined by the sold brand / quantity determination processing means 25 to create order data for the sell order, and automatically assigns the order identification information to the order data. The purchase order data (including order identification information, customer identification information, brand identification information, quantity, and trading category) is transmitted to the trading market system 60 via the communication line 2 and trading history storage means 43 (see FIG. 5). ) Stores the order data and executes a process for setting the status to “already ordered”.

  Further, when the withdrawal instruction processing unit 31 receives the withdrawal amount from the ordinary deposit account, the order processing unit 28 uses the brand identification information and the purchase quantity of the purchased brand determined by the purchased brand / quantity determination processing unit 27. Then, order data for a buy order is created, order identification information is automatically assigned to the order data, and the created order data (including order identification information, customer identification information, brand identification information, quantity, and trading category) is added to the transaction market. In addition to transmitting to the system 60 via the communication line 2, the order history data is stored in the trading history storage means 43 (see FIG. 5), and the process of setting the status to “already ordered” is also executed.

  The contract processing means 29 receives contract data for sell orders and buy orders transmitted from the transaction market system 60 via the communication line 2, and uses the same order identification information as the order identification information included in the received contract data. Processing for changing the status to “contract” by adding contract data such as contract amount, contract unit price, contract date, etc. in association with the order data stored in the trading history storage means 43 (see FIG. 5). It is something to execute.

  The deposit instruction processing unit 30 uses the contract amount (the amount obtained by multiplying the contract constant amount and the contract unit price) of the contract order data received by the contract processing unit 29 as the deposit amount to the ordinary deposit account, and the bank deposit management system. The process of transmitting to 50 via the communication line 1 is executed.

  The withdrawal instruction processing means 31 uses the purchase price of the purchased brand determined by the purchased brand / quantity determination processing means 27 as the purchase price acquired from the market price data storage means 44 (see FIG. 6) using the brand identification information of the purchased brand as a key. The purchase amount (amount necessary for purchase) obtained by multiplying the market price data (the latest unit price data) of the issue is used as a withdrawal request amount from the ordinary deposit account to the bank deposit management system 50 via the communication line 1. And the process of receiving the withdrawal amount from the ordinary deposit account transmitted from the bank deposit management system 50 via the communication line 1 is executed.

  The retained balance update processing unit 32 associates the contract amount of the contract data of the sell order received by the contract processing unit 29 with the quantity stored in the retained balance storage unit 42 (see FIG. 4) in association with the brand identification information of the sold brand. Update processing to be subtracted from and the contract amount of the contract order data received by the contract processing means 29 to the quantity stored in the retained balance storage means 42 (see FIG. 4) in association with the brand identification information of the purchased brand. An update process to be added is executed.

  As shown in FIG. 2, the ordinary deposit mirror remaining storage means 40 stores the ordinary deposit mirror balance obtained by copying the ordinary deposit balance of the ordinary account opened in the bank and customer identification information for the bank (account number of the ordinary account). ) And the like are stored in association with customer identification information for a securities company (account number of a securities general account).

  As shown in FIG. 3, the trading condition storage means 41, when selected to set a basic sale threshold, a temporary sale threshold, at each designation (self) and (to), and at each designation If you choose to sell in the specified order as the temporary sale threshold, sale issue determination condition, sale issue determination condition, the identification information of each issue and their specified order (priority at sale), purchase threshold Purchase threshold when purchasing is selected, purchase stock determination conditions, stock identification information of each stock when purchasing is selected in the specified order as purchase stock determination conditions, and their specified order (priority at purchase) The reference start time of trading history is stored in association with customer identification information for a securities company (account number of a securities general account).

  As shown in FIG. 4, the holding balance storage means 42 stores the brand identification information (brand code) of the brand held by the customer, the holding balance, the average acquisition unit price, etc. Number).

  As shown in FIG. 5, the trading history storage means 43 includes the contents of order data of a sell order and a buy order placed in the trading market (including order identification information, brand identification information, order quantity, and trading category) and contract data. (Including order identification information, brand identification information, contract constant amount, trading category, contract date / time, contract unit price), with status indicating whether "ordered" or "contract" etc., customer identification for securities companies The information is stored in association with the information (account number of the securities general account).

  As shown in FIG. 6, the market price data storage means 44 stores the market price data of each brand in association with the brand identification information.

  The bank deposit management system 50 includes one or a plurality of computers, and includes deposit balance management processing means 51 and ordinary deposit balance storage means 52.

  The deposit balance management processing means 51 stores the updated ordinary deposit balance in real time with the customer identification information for the bank whenever the ordinary deposit balance of the ordinary deposit account stored in the ordinary deposit balance storage means 52 is updated. (In this embodiment, the account number of a savings account is used as an example.) Or customer identification information for a securities company (in this embodiment, the account number of a securities general account is used as an example.) The process which transmits to the securities company system 20 via is performed. The deposit balance management processing means 51 may be configured to transmit the ordinary deposit balance when there is a transmission request from the securities company system 20.

  Further, the deposit balance management processing means 51 receives the deposit instruction data (including the deposit amount into the ordinary deposit account) transmitted from the securities company system 20 via the communication line 1 by the deposit instruction processing means 30. A deposit process for adding the received deposit amount to the ordinary deposit balance of the ordinary deposit account stored in the ordinary deposit balance storage means 52 is also executed.

  Furthermore, the deposit balance management processing means 51 includes the withdrawal instruction data (including the withdrawal request amount from the ordinary deposit account) transmitted from the securities company system 20 via the communication line 1 by the withdrawal instruction processing means 31. , And executes a withdrawal process for subtracting the received withdrawal request amount from the ordinary deposit balance of the ordinary deposit account stored in the ordinary deposit balance storage means 52 and notifies that the withdrawal process has been executed. A process of transmitting the withdrawal notification data (including the withdrawal amount from the savings account) to the securities company system 20 via the communication line 1 is also executed.

  The savings balance storage means 52 stores the savings balance of each customer's savings account in association with bank customer identification information (account number of the savings account). Note that customer identification information for securities companies (account number of a general securities account) may also be stored in correspondence with customer identification information for banks (account number of a savings account).

  The processing means 21 to 32 of the securities company system 20 and the deposit balance management processing means 51 of the bank deposit management system 50 are a central part provided inside the computer main body constituting the securities company system 20 and the deposit management system 50. It is realized by an arithmetic processing unit (CPU) and one or a plurality of programs that define the operation procedure of the CPU.

  The storage means 40 to 44 of the securities company system 20 and the ordinary deposit balance storage means 52 of the bank deposit management system 50 are preferably realized by, for example, a hard disk or the like, but problems arise in storage capacity, access speed, and the like. If not, ROM, EEPROM, flash memory, RAM, MO, CD-ROM, CD-R, CD-RW, DVD-ROM, DVD-RAM, FD, magnetic tape, or a combination of these May be.

  Furthermore, the securities company system 20 and the bank deposit management system 50 are not limited to those realized by one computer or one CPU, but are realized by performing distributed processing with a plurality of computers or CPUs. It may be a thing.

The trading market system 60 is configured by a computer. For example, a trading system for financial products such as a stock exchange system, a private trading system (PTS: Proprietary Trading).
System), store market system, etc.

  The market price data providing system 70 is configured by a computer and is an information vendor system that provides market price data for financial products such as stocks. The market price data providing system 70 may be the transaction market system 60 itself.

  The terminal device 80 is configured by a computer, and includes input means such as a mouse and a keyboard, a display device such as a liquid crystal display and a CRT display, and a printing device. The terminal device 80 may be a mobile device such as a mobile phone (including PHS) or a personal digital assistant (PDA).

  In the present embodiment as described above, the order processing system 10 performs the order processing to the trading market in accordance with the balance fluctuation of the bank's ordinary deposit account as follows, and the deposit balance is automatically adjusted.

  In FIG. 7, the securities company system 20 starts a series of processes related to ordering of financial products (in the present embodiment, it is assumed to be stock as an example) performed in accordance with the fluctuation of the bank's ordinary deposit balance (step S1).

  First, when a customer or an input agent thereof operates the terminal device 80 and transmits a display request signal for the condition setting screen 100 (see FIG. 8) to the securities company system 20 via the communication line 4, the securities company system 20 Then, the trading condition setting processing means 21 receives the display request signal of the condition setting screen 100 from the terminal device 80, and uses the customer identification information of the customer related to the display request as a key, the retained balance storage means 42 (see FIG. 4) and Using the customer's possessed balance and trading history acquired from the trading history storage unit 43 (see FIG. 5), display data for the condition setting screen 100 (for example, Web screen data, etc.) is created, and the created condition setting The display data for the screen 100 is transmitted to the terminal device 80 via the communication line 4. Then, a condition setting screen 100 as shown in FIG. 8 is displayed on the screen of the terminal device 80.

  In FIG. 8, the condition setting screen 100 includes a sale threshold setting unit 110, a sale issue determination condition setting unit 120, a purchase threshold setting unit 130, a purchase issue determination condition setting unit 140, and a purchase history reference start reference. A time setting unit 150, a holding status display unit 160, a trading history display unit 170, and a “send” button 180 for transmitting input data to the securities company system 20 are provided.

  The sale threshold setting unit 110 includes a basic sale threshold input unit 111 that is normally applied, a selection unit 112 that selects to set a temporary sale threshold that is applied only when specified, and this When the selection unit 112 is selected, each of the input units 113, 114, and 115 for inputting a designated sale threshold value at the time of designation (self), designation time (to), and a special sale value, and selection not to set a special sale threshold value are selected. A selection unit 116 is provided.

  In the sale brand determination condition setting unit 120, a selection unit 121 that selects to sell in a specified order, and each input unit 122 that inputs a brand and an order (priority at the time of sale) when the selection unit 121 is selected. , 123, a selection unit 124 that selects selling from a brand with a large unrealized gain, and a selection unit 125 that selects not to sell a brand having an unrealized loss. Note that the selection unit 125 can overlap with the selection unit 121 or the selection unit 124. If the selection unit 125 overlaps with the selection unit 121, the selection unit 125 sells it in the specified order, but skips the order of the brands having an unrealized loss ( In other words, in the case where the selection unit 124 is overlapped with the selection unit 124, it sells from a brand with a large unrealized gain, but does not sell until the unrealized profit becomes negative (that is, has an unrealized loss).

  In the purchase threshold setting unit 130, a selection unit 131 that selects setting of a purchase threshold, an input unit 132 that inputs a purchase threshold when the selection unit 131 is selected, and a purchase threshold are not set. And a selection unit 133 for selecting this.

  In the purchase brand determination condition setting unit 140, a selection unit 141 that selects purchase in a specified order, and each input unit 142 that inputs a brand and an order (priority at the time of purchase) when the selection unit 141 is selected. , 143, a selection unit 144 that selects purchase from a brand with a large decline in unit price since the sale, a selection unit 145 that selects purchase from a brand with a large rate of decline in unit price since sale, A selection unit 146 that selects not to purchase a brand whose unit price has increased since the sale is provided. The selection unit 146 can overlap with the selection unit 141, the selection unit 144, or the selection unit 145.

  The sales history reference start reference time setting unit 150 has a selection unit 151 that selects to select the present as the sales history reference start reference time (refer to the current sales history, that is, to refer to the sales history to be created from now on). , And an input unit 152 for inputting the trading history reference start reference time.

  The holding status display section 160 displays the customer's holding brands acquired from the holding balance storage means 42 (see FIG. 4) using the customer identification information of the customer related to the display request and the status of those balances. It has become.

  The trading history display unit 170 stores the trading history (sales date, brand, quantity, trading category) of the customer acquired from the trading history storage means 43 (see FIG. 5) using the customer identification information of the customer related to the display request as a key. It is displayed.

  Then, on the condition setting screen 100 in FIG. 8, when the customer or an input agent inputs necessary data and presses the “send” button 180, the data on the trading conditions input on the condition setting screen 100 is displayed on the terminal. The data is transmitted from the device 80 to the securities company system 20 via the communication line 4. In the securities company system 20, the trading condition setting processing means 21 receives the trading condition data from the terminal device 80, and the received trading condition data is used as the customer identification information of the securities company (account number of the securities general account). The sales condition storage means 41 (see FIG. 3) is associated and stored (step S2 in FIG. 7). 8 can be changed and input on the condition setting screen 100 shown in FIG. 8 to be reset.

  Subsequently, in the bank deposit management system 50, when the ordinary deposit balance in the ordinary deposit account stored in the ordinary deposit balance storage means 52 is updated, the updated ordinary deposit balance is updated by the deposit balance management processing means 51. Customer identification information for banks (in the present embodiment, an account number of a savings account as an example) or customer identification information for a securities company (in this embodiment, an account number of a general securities account). ) And the securities company system 20 via the communication line 1. In the securities company system 20, the deposit balance acquisition processing means 22 receives the ordinary deposit balance of the ordinary deposit account transmitted from the securities company system 20, and the received ordinary deposit balance is received as customer identification information for banks ( In association with customer identification information for securities companies (account number for securities general account) obtained by converting the account number of savings account) or customer identification information for securities companies received (account number for securities general account) It is stored in the ordinary deposit mirror remaining storage means 40 (see FIG. 2) (step S3 in FIG. 7).

  Then, the market price data acquisition processing means 23 sends the market price data of each brand of the financial product (in this embodiment, as an example, stock) from the market price data providing system 70 together with the brand identification information (brand code, etc.) Acquired via the communication line 3, and the acquired market price data is stored in the market price data storage means 44 (see FIG. 6) in association with the brand identification information (step S4 in FIG. 7).

  In FIG. 7, for convenience of explanation, the processing by the market price data acquisition processing means 23 in step S4 is described after the processing by the deposit balance acquisition processing means 22 in step S3. It is not necessary to be executed at the same time, and it is not necessary to synchronize, and each process may be executed at an unrelated timing.

  Next, the sale condition success / failure judgment processing means 24 targets all customers, and for each customer, the customer identification information for the securities company (account number of the securities general account) for the customer to be processed is used as a key. The current bank savings balance (the latest stored ordinary savings mirror balance) is acquired from the deposit mirror remaining storage means 40 (see FIG. 2) and sold from the trading condition storage means 41 (see FIG. 3). The transaction threshold is acquired, and it is determined whether or not the sale condition that the current bank savings balance is less than or less than the sale threshold is satisfied (step S5 in FIG. 7).

  For example, it is assumed that the basic sale threshold and the temporary sale threshold are stored in the sale condition storage unit 41 in the state shown in FIG. At this time, assuming that the sale processing condition success / failure determination time is November 10, 2010, the first designation time (November 15, 2010), the second designation time (March 1, 2011) -March 31, 2011) and the third designated time (March 1, 2012-March 31, 2012) A process for determining success or failure of the sale conditions is executed. Further, if the sale condition success / failure determination processing time is March 2, 2011, it corresponds to the second designated time (March 1, 2011 to March 31, 2011). The temporary threshold for sale of 3 million yen at the time of designation is adopted, and the determination process of success / failure of the sale condition is executed.

  When it is determined in step S5 that the sales condition is satisfied by the sale condition success / failure determination processing unit 24, the sale brand / quantity determination processing unit 25 stores the stored condition in the retained balance storage unit 42 (see FIG. 4). At least one of the stocks held by the customer is determined as the sold stock, and the market price data of the sold brand stored in the market price data storage means 44 (see FIG. 6) using the brand identification information of the sold brand as a key (latest Unit price data), and subtracting the current bank savings balance from the threshold for sale (basic threshold for sale or temporary threshold for sale) (that is, the amount that is insufficient with respect to the threshold for sale) Is divided by the market price data of the sold brand to determine the sale quantity of the sold brand (step S6 in FIG. 7).

  For example, “1 (sell in the specified order)” is stored in the trading condition storage means 41 (see FIG. 3) as the brand name determination condition, and the brand A, brand B, brand C, brand D, brand E are in this order. If the priority at the time of sale is specified, the issue A is first selected as the issue for sale, and the current bank savings balance is subtracted from the sale threshold (basic sale threshold or temporary sale threshold). The sold amount of the brand A is tentatively determined by dividing the calculated amount (that is, the shortage amount with respect to the threshold for sale) ΔF by the market price data of the brand A. At this time, since the sale quantity is determined in consideration of the unit stock which is the minimum trading unit, the sale quantity is actually determined to be the same as or larger than the quantity obtained by the division. In addition, the market price data (latest unit price data) of sold stocks used for division may differ from the actual contracted unit price at the time of sale, and the desired sale price may not be obtained. It may be determined larger with a margin of. In addition, although it is a brand memorized in trading condition storage means 41 (refer to FIG. 3) in a state in which priority at the time of sale is designated as a sale brand determination condition, if the quantity held of the brand is zero, The brand is skipped, and the brand with the next highest priority at the time of sale is selected as the brand to be sold.

  However, when the possessed quantity (the quantity that can actually be sold) of the brand A stored in the retained balance storage means 42 (see FIG. 4) is less than the sale quantity of the brand A tentatively determined by division. Since the balance of ordinary deposits cannot be recovered to the threshold for sale only by selling the issue A, the holding amount of the issue A is adopted as the sale amount of the issue A, and the issue B having the next highest priority at the time of sale Is also determined as a sale issue. Then, the amount of the stock A and the number of the brand A are obtained from the amount obtained by subtracting the current bank savings balance (ie, the shortage amount relative to the threshold for sale) ΔF from the threshold for sale (basic sale threshold or temporary sale threshold). The remaining shortage amount (ΔF−ΔA) is calculated by subtracting the sale amount (expected amount obtained by sale) ΔA multiplied by the market price data (the latest unit price data) of A, and this remaining shortage amount (ΔF -ΔA) is divided by the market price data of brand B (latest unit price data) to tentatively determine the sale quantity of brand B.

  Similarly, when the possessed quantity of the brand B stored in the retained balance storage means 42 (see FIG. 4) is less than the sale quantity of the brand B tentatively determined by division, only the brands A and B are sold. In this case, the balance of the ordinary deposit cannot be recovered to the threshold value for sale. Therefore, the holding quantity of the brand B is adopted as the sale quantity of the brand B, and the brand C having the next highest priority at the time of sale is also determined as the brand to be sold. . Then, by subtracting the sale amount (expected amount obtained by sale) ΔB by multiplying the remaining shortage amount (ΔF−ΔA) by the possessed quantity of the issue B and the market price data (latest unit price data) of the issue B, By newly calculating the remaining shortage amount (ΔF−ΔA−ΔB) and dividing the remaining shortage amount (ΔF−ΔA−ΔB) by the market price data (latest unit price data) of the stock C, the stock C Tentatively determine the sale quantity. Here, when the quantity of the brand C held is greater than or equal to the sale quantity of the brand C tentatively determined by the division, the sale quantity of the brand C tentatively decided by the division is officially sold. Adopt as quantity.

  Further, for example, when “2 (sell from a brand with a large unrealized gain)” is stored in the trading condition storage unit 41 (see FIG. 3) as the sale brand determination condition, the retained balance storage unit 42 (FIG. 4). If the customer's stocks stored in (see) are stocks A, B, C, D, E, the market price data storage means using the stock identification information of these stocks A, B, C, D, E as a key 44 (see FIG. 6), the current price data (latest unit price data) of each holding brand A, B, C, D, E stored in 44 (see FIG. 6), and each holding brand A stored in the holding balance storage means 42 , B, C, D, and E, and the average acquisition unit price is subtracted from the market price data of each of the stocks A, B, C, D, and E. Calculate the unrealized profit on a unit price basis for D and E, or The unrealized profit on the basis of the total price is calculated by multiplying the unrealized profit on the basis by the quantity of each of the stocks A, B, C, D and E stored in the retained balance storage means 42. The sold brands are selected from the owned brands A, B, C, D, and E stored in the owned balance storage means 42 in descending order. For example, if the unrealized gain is large in the order of brand A, brand B, brand C, brand D, brand E, the sale is performed in the same manner as in the case where the priority order at the time of sale is specified in this order (in the above example). Determine brands and sales volume.

  Further, for example, when “3 (does not sell brands with unrealized losses)” is stored in the trading condition storage unit 41 (see FIG. 3) as the sale brand determination condition, the retained balance storage unit 42 (FIG. 4). If the stocks held by the customer stored in (Ref.) Are the stocks A, B, C, D, and E, “2 (sell from the stock with a large unrealized gain)” is stored as the stock brand determination condition. In the same manner, the unrealized profit on a unit price basis for each of the stocks A, B, C, D and E is calculated. For example, if the unrealized gain of the brand B is negative, that is, if the brand B is a brand having an unrealized loss, the brand B is not selected as a brand to be sold. Therefore, “3 (does not sell stocks with unrealized losses)” is repeatedly selected as “1 (sells in specified order)” or “2 (sells from stocks with large unrealized gains)” In the above example, the brand B is skipped and the brands to be sold are selected in the order of brand A, brand C, brand D, brand E. In addition, when “3 (brands having unrealized losses are not sold)” is selected alone as the sale brand determination condition, the order in which the brands to be sold are selected may be arbitrary.

  Subsequently, the order processing means 28 creates order data for the sell order using the brand identification information and the sale quantity of the sold brand determined by the sold brand / quantity determination processing means 25, and automatically assigns the order identification information thereto. Then, the created order data (including order identification information, customer identification information, brand identification information, quantity, and trading category) is transmitted to the transaction market system 60 via the communication line 2 and the trading history storage means 43 ( The ordering data is stored in (see FIG. 5), and the status is set to “already ordered” (step S7 in FIG. 7).

  Thereafter, the contract processing means 29 receives the contract order data transmitted from the transaction market system 60 via the communication line 2 and associates it with the same order identification information as the order identification information included in the received contract data. Then, in accordance with the order data stored in the trading history storage means 43 (see FIG. 5), the contract data such as contract amount, contract unit price, contract date and time are added, and the status is changed to “contract” (FIG. 7). Step S8).

  Then, the deposit instruction processing unit 30 sets the contract amount (the amount obtained by multiplying the contract amount and contract unit price) of the contract order data received by the contract processing unit 29 as the deposit amount to the savings account, and this deposit amount. Is transmitted to the bank deposit management system 50 via the communication line 1 (step S9 in FIG. 7). In the bank deposit management system 50, the deposit balance management processing means 51 receives the deposit instruction data (including the deposit amount into the ordinary deposit account) from the securities company system 20, and the received deposit amount is converted into the ordinary deposit balance. A deposit process for adding to the ordinary deposit balance of the ordinary deposit account stored in the storage means 52 is performed. As a result, the ordinary deposit balance of the ordinary deposit account stored in the ordinary deposit balance storage means 52 becomes an amount exceeding or exceeding the threshold for sale.

  On the other hand, if the sale condition success / failure determination processing unit 24 determines in step S5 that the sale condition is not satisfied, the purchase condition success / failure determination processing unit 26 targets all customers and processes each customer. Using the customer identification information for the securities company (account number of the securities general account) for the target customer as a key, from the ordinary deposit mirror remaining storage means 40 (see FIG. 2), the current bank savings balance (stored) The latest ordinary deposit mirror balance), and when the purchase threshold is set from the trading condition storage means 41 (see FIG. 3), the purchase threshold is obtained. It is determined whether or not the purchase condition is satisfied that the purchase threshold is exceeded or is greater than or equal to the purchase threshold (step S10 in FIG. 7).

  In step S10, when the purchase condition success / failure determination processing unit 26 determines that the purchase condition is satisfied, the purchase brand / quantity determination processing unit 27 stores the purchase condition in the trading history storage unit 43 (see FIG. 5). A brand that is the same as at least one of the sold brands (a brand that has been determined and sold by the sold brand / quantity determination processing unit 25) is determined as a purchased brand and stored in the trading history storage unit 43. Purchased stocks within the range of the fixed amount of sold stocks sold and within the amount equivalent to the current bank savings balance minus the purchase threshold (ie, the amount equivalent to the purchase threshold) Is determined (step S11 in FIG. 7).

  For example, “1 (Purchase in a specified order)” is stored in the trading condition storage means 41 (see FIG. 3) as a purchase brand determination condition, and the brand E, brand D, brand C, brand B, brand A are in this order. When the purchase priority is specified and “April 1, 2010” is stored as the reference start time of the purchase history, first, the brand E is the purchase history storage means 43 (see FIG. 5). ), And whether or not it is stored as a stock sold after April 1, 2010 (a stock that has been determined to be sold and ordered by the sold stock / quantity determination processing means 25). If so, the brand E is determined as the purchased brand. Then, by subtracting the purchase threshold value from the current bank savings balance (that is, the excess amount with respect to the purchase threshold value) ΔG by the market price data of the brand E (latest unit price data), Calculate the provisional purchase quantity. At this time, when the constant amount of the brand E as the brand to be sold (the brand that has been determined and sold by the sold brand / quantity determination processing means 25) is greater than the calculated provisional purchase quantity of the brand E Since all the excess amount ΔG can be used to buy back the stock E, the provisional purchase quantity of the stock E (that is, part of the constant amount or the same quantity as the constant amount) is officially set as the purchase amount of the stock E. The purchased brand / quantity determination process is terminated. On the other hand, if the contracted amount of the stock E as the stock sold is less than the calculated provisional purchase amount of the stock E, there will be surplus funds for purchase even if all the sold stock E is repurchased. The entire fixed amount is determined as the purchase amount of the stock E, and the purchase amount and the stock of the stock E are calculated from the amount ΔG obtained by subtracting the purchase threshold from the current bank savings balance (that is, the amount exceeding the purchase threshold) ΔG. The remaining excess amount (ΔG-ΔE) is calculated by subtracting the purchase amount (amount required for purchase) ΔE multiplied by the market price data of E (latest unit price data), and then the highest purchase priority It is determined whether or not the brand D can be a purchased brand. In addition, the issue E is sold to the sale history storage means 43 (see FIG. 5), and the sale issue (the sale issue / quantity determination processing means 25 determined as the sale issue) is contracted after April 1, 2010. If it is not stored as a stock brand), it is determined whether or not the stock D having the next highest priority in purchase can be used as the purchase brand.

  Next, the brand D is placed in the trading history storage means 43 (see FIG. 5) as a brand sold for sale after April 1, 2010 (determined as a brand sold for sale by the sale brand / quantity determination processing means 25) Whether or not it is stored as a contracted brand) is determined, and if it is stored, brand D is determined as a purchased brand. Then, the provisional purchase quantity of the brand D is calculated by dividing the remaining excess amount (ΔG−ΔE) by the market price data (latest unit price data) of the brand D. At this time, when the contract quantity of the brand D as the brand sold (the brand that has been determined and sold by the brand / quantity determination processing means 25) is greater than the calculated provisional purchase quantity of the brand D , Since all of the remaining excess amount (ΔG-ΔE) can be used to buy back the stock D, the provisional purchase quantity of the stock D (that is, a part of the constant amount or the same amount as the constant amount) The purchase quantity of the brand D is determined, and the purchase brand / quantity determination process is terminated. On the other hand, if the contracted amount of the stock D as the sold stock is less than the calculated provisional purchase amount of the stock D, there will be surplus funds for purchase even if all the sold stocks D and E are bought back. Purchase all of the approximately constant amount of D as the purchase quantity of the brand D, and multiply the remaining excess amount (ΔG-ΔE) by the purchase quantity of the brand D and the market price data (latest unit price data) of the brand D Is it possible to newly calculate the remaining excess amount (ΔG-ΔE-ΔD) by subtracting the amount (the amount necessary for purchase) ΔD, and then to select the stock C with the highest priority when purchasing? Judge whether or not. In addition, the brand D is sold to the trading history storage means 43 (see FIG. 5), and the brand sold after April 1, 2010 is determined as the brand sold for sale by the sale brand / quantity determination processing means 25 and ordered. In the case where it is not stored as a stock brand), it is determined whether or not the stock C having the next highest priority at the time of purchase can be used as the purchase brand.

  Then, for example, the issue C is determined as a sale issue (sales issue / quantity determination processing means 25 determined by the sale issue / quantity determination processing means 25) and placed on the trading history storage means 43 (see FIG. 5). If the stocks B and A with the next highest priority in purchase are not stored, there is no stock to be bought back, and the process of determining the purchased stock / quantity is completed. To do. Therefore, the remaining excess amount (ΔG−ΔE−ΔD) is not allocated to purchase funds. In other words, even if the purchase conditions are satisfied, it is not always necessary to apply the entire amount ΔG obtained by subtracting the purchase threshold from the current bank savings balance (ie, the excess amount with respect to the purchase threshold) to the purchase funds. It does not have to be.

  Further, for example, in the buying and selling condition storage means 41 (see FIG. 3), “2 (Purchase from stocks with a large decline in unit price since sale)” or “3 (Unit price since sale) In the case where “buy from stocks with a large drop rate” is stored, the stocks E, D, C, B, A are stored in the trading history storage means 43 (see FIG. 5) after April 1, 2010. , The brands of these brands E, D, C, B, and A are stored as brands sold (stocks that have been determined and sold by the brand / quantity determination processing means 25). By using the identification information as a key, the market price data (latest unit price data) of each sale brand E, D, C, B, A stored in the market price data storage means 44 (see FIG. 6) is acquired, and the trading history storage means 43 Each stock E, D, C stored in By subtracting the market price data (latest unit price data) of each sold stock E, D, C, B, A from the contracted unit price of B, A, the contracted unit price for each sold stock E, D, C, B, A By calculating the rate of decline in the current market price data or dividing the rate of decline by the contract price of each issue E, D, C, B, A, each sale issue E, D, C, B, The rate of decline in the market price data for the contracted unit price for A is calculated, and the sold brands E, D, C, B, stored in the trading history storage means 43 (see FIG. 5) in descending order of the calculated rate of decline or rate of decline. A purchase brand is selected from A. For example, if the rate of decline or rate of decline is large in the order of brand E, brand D, brand C, brand B, brand A, the same as the case where the priority order at the time of purchase is specified in this order (in the above example) Then, purchase brand and purchase quantity are determined.

  Furthermore, for example, when “4 (does not purchase brands whose unit price has increased since the time of sale)” is stored in the trading condition storage means 41 (see FIG. 3) as the brand selection condition, the brand E , D, C, B, A are determined to be sold by the trading history storage means 43 (see FIG. 5) as sold brands by the sold brand / quantity determination processing means 25 after April 1, 2010. As a purchase stock determination condition described above, “2 (Purchase from a stock with a large decline in unit price since sale)” is stored as described above. For example, if the decline in the stock D is negative, that is, the stock D is a stock whose unit price has increased since the sale. If so, this stock D is purchased Not selected as a pattern. Therefore, “4 (does not purchase stocks whose unit price has increased since the time of sale)”, “1 (purchases in the specified order)”, “2 (decrease in unit price since the time of sale) as purchase stock determination conditions. If you have chosen to buy from stocks with a wide range) "or" 3 (buy from stocks with a large rate of decline in unit price since sale) ", the specified order or the rate of decline or rate of decline When selecting purchase brands in descending order, brand D is skipped and selected. In addition, when “4 (does not purchase a brand whose unit price has increased since the sale)” is selected alone as a purchase brand determination condition, the order of selecting the purchased brand may be arbitrary.

  Subsequently, the withdrawal instruction processing means 31 adds the purchase quantity of the purchased brand determined by the purchased brand / quantity determination processing means 27 to the market price data storage means 44 (see FIG. 6) using the brand identification information of the purchased brand as a key. Calculate the purchase amount (the amount required for purchase) by multiplying the acquired market price data (latest unit price data), and use this as the withdrawal request amount from the savings account, including this withdrawal request amount The withdrawal instruction data is transmitted to the bank deposit management system 50 via the communication line 1 (step S12 in FIG. 7). In the bank deposit management system 50, the deposit balance management processing means 51 receives the withdrawal instruction data (including the withdrawal request amount from the ordinary deposit account) transmitted from the securities company system 20 via the communication line 1. The withdrawal processing for receiving and executing the withdrawal processing for subtracting the received withdrawal request amount from the ordinary deposit balance of the ordinary deposit account stored in the ordinary deposit balance storage means 52 and notifying that the withdrawal processing has been executed. The money notification data (including the withdrawal amount from the savings account) is transmitted to the securities company system 20 via the communication line 1. In the securities company system 20, the withdrawal instruction processing means 31 receives withdrawal notification data (including the withdrawal amount from the ordinary deposit account) transmitted from the bank deposit management system 50 via the communication line 1. (Step S12 in FIG. 7).

  Then, when the withdrawal instruction processing means 31 receives the withdrawal notification data (including the withdrawal amount from the ordinary deposit account), the purchase brand determined by the purchase brand / quantity determination processing means 27 by the order processing means 28. The purchase order data is created using the brand identification information and the purchase quantity of the order, and the order identification information is automatically assigned to the purchase order data, and the created order data (order identification information, customer identification information, brand identification information, quantity, trading) Is sent to the transaction market system 60 via the communication line 2, and the ordering data is stored in the trading history storage means 43 (see FIG. 5), and the status is set to “Ordered” (FIG. 7). Step S13).

  Thereafter, the contract processing means 29 receives the contract data of the buy order transmitted from the transaction market system 60 via the communication line 2 and associates it with the same order identification information as the order identification information included in the received contract data. Then, in accordance with the order data stored in the trading history storage means 43 (see FIG. 5), the contract data such as contract amount, contract unit price, contract date and time are added, and the status is changed to “contract” (FIG. 7). Step S14).

  After the deposit instruction is made in step S9 described above, the holding balance update processing unit 32 associates the contract amount of the contract order data received by the contract processing unit 29 with the brand identification information of the sold brand. After performing the update process of subtracting from the quantity stored in the retained balance storage means 42 (see FIG. 4), and after performing the contract processing in the above step S14, the retained balance update processing means 32 performs the contract processing means 29. An update process is performed to add the contract amount of the contract data of the purchase order received by the item to the quantity stored in the retained balance storage means 42 (see FIG. 4) in association with the brand identification information of the purchased brand (step of FIG. 7). S15) A series of processing relating to the ordering performed in accordance with the fluctuation of the ordinary deposit balance is terminated (step S16 in FIG. 7). Also, when the purchase condition success / failure determination processing unit 26 determines that the purchase condition is not satisfied in the above-described step S10, the series of processes relating to the ordering performed in accordance with the fluctuation of the ordinary deposit balance is ended (step S16 in FIG. 7). ).

  Hereinafter, the relationship between the fluctuation status of the ordinary deposit balance and the order processing of the sell order or the buy order will be described using specific numerical examples.

  In FIG. 9, it is assumed that the balance held at time T1 is brand A = 1.5 million yen, brand B = 1 million yen, brand C = 500,000 yen, brand D = 2 million yen, and brand E = 3 million yen. Further, it is assumed that the time point T1 is designated as the reference start time for the trading history. Therefore, the buy-back after the sale of each of the issues A, B, C, D, E is performed so as to return to the portfolio at the time T1. Further, as shown in FIG. 3 and FIG. 8, the priority at the time of sale is specified in the order of issues A, B, C, D, and E, and the priority at the time of purchase is determined as issues E, D, C, B, It is assumed that they are specified in the order of A. Therefore, among the five brands held, the brand E is the brand that the company wants to hold most, and the brand A is the brand that can be released most. As shown in FIG. 3 and FIG. 8, the basic threshold for sale = ¥ 2 million, designated = the threshold for temporary sale on November 15, 2010 (as of T7) = 3.5 million yen, the threshold for purchase Suppose that 5 million yen is set.

  Assume that the balance of ordinary deposits reaches 1 million yen at T2. At this time, since the basic threshold for sale is 2 million yen, it is necessary to sell stock equivalent to 1 million yen in order to supplement the difference of 1 million yen. Therefore, if you sell 1 million yen worth of stock A with priority = 1 at the time of sale and deposit 1 million yen into ordinary deposits, the balance of ordinary deposits will be the basic threshold for sale = 2 million yen at T2 '. To recover.

  After that, it is assumed that the balance of ordinary deposits once increased and reached 500,000 yen at T3. At this time, since the basic threshold for sale is 2 million yen, it is necessary to sell the stock equivalent to 1.5 million yen in order to supplement the difference of 1.5 million yen. Therefore, if you sell the stock A with priority 1 at the time of sale equivalent to 500,000 yen, sell the stock B with priority 2 at the time of sale 2 equivalent to 1 million yen, and deposit these 1.5 million yen into the ordinary deposit, The balance of the ordinary deposit recovers to the basic threshold for sale = 2 million yen at T3 ′.

  Then, suppose that the balance of ordinary deposits once increased to 1 million yen at the time of T4. At this time, since the basic threshold for sale is 2 million yen, it is necessary to sell stock equivalent to 1 million yen in order to supplement the difference of 1 million yen. At time T4, the stocks of brands A and B are zero. Therefore, when selling the issue C with priority = 3 at the time of sale equivalent to 500,000 yen, selling issue D with the priority at sale = 4 with the equivalent of 500,000 yen, and depositing these 1 million yen into the ordinary deposit, The ordinary deposit balance recovers to the basic sale threshold value of 2 million yen at the time of T4 ′.

  After that, it is assumed that the balance of ordinary deposits increases and reaches 6 million yen at T5. At this time, since the purchase threshold value is 5 million yen, the stock can be purchased with a difference of 1 million yen. At T5, the trading history from the time point T1, which is the reference start time of trading history, is as follows: Brand A = Sell 1,500,000 yen in total, Brand B = 1,000,000 yen, Brand C = Sell 500,000 yen, Brand There is a sale of D = 500,000 yen, but there is no sale of the brand E. Therefore, since the brand E with priority at purchase = 1 is not sold, there is no quantity to be repurchased. Therefore, 1 million yen is withdrawn from the ordinary deposit, and for this 1 million yen, the purchase priority item = 2 is purchased for an amount equivalent to 500,000 yen, and the purchase priority order 3 issue C is 500,000 yen. When the equivalent amount is purchased, the balance of the ordinary deposit becomes the purchase threshold = 5 million yen at the time T5 ′.

  Then, suppose that the balance of ordinary deposits once decreased and then increased again to reach 6.5 million yen at T6. At this time, since the purchase threshold value is 5 million yen, the stock can be purchased with a difference of 1.5 million yen. At T6, the trading history from the time point T1, which is the reference start time of trading history, is a sale of brand A = 1.5 million yen and a sale of brand B = 1 million yen. Is offset, the sale is zero and the brand E is not sold. Accordingly, the brand E with the purchase priority = 1, the brand D with the purchase priority = 2, and the brand C with the purchase priority = 3 are not purchased because there is no quantity to be repurchased. So, withdraw 1,500,000 yen from the ordinary deposit, and for this 1,500,000 yen, purchase the issue B with the priority when purchasing = 4 equivalent to 1 million yen, and the issue A with the priority when purchasing = 5 with 500,000 yen. When the equivalent amount is purchased, the balance of the ordinary deposit becomes the purchase threshold = 5 million yen at T6 ′.

  Next, let us say that the balance of ordinary deposits has decreased to 2.5 million yen at T7. At this time, since the temporary threshold for sale at the time of T7 is 3.5 million yen, it is necessary to sell the stock equivalent to 1 million yen in order to supplement the difference of 1 million yen. Therefore, if you sell the issue A with priority 1 at the time of sale equal to 500,000 yen, sell the issue B with priority 2 at the time of sale equivalent to 500,000 yen, and deposit these 1 million yen into the ordinary deposit, The ordinary deposit balance recovers to the temporary sale threshold = 3.5 million yen at T7 ′.

  After that, it is assumed that the balance of ordinary deposits has decreased to 1.5 million yen at T8. At this time, since the basic threshold for sale is 2 million yen, it is necessary to sell the stock equivalent to 500,000 yen in order to supplement the difference of 500,000 yen. At the time of T8, the quantity of the brand A is zero. Therefore, if the issue B with a priority of 2 at the time of sale is sold for an amount equivalent to 500,000 yen and this 500,000 yen is deposited into the ordinary deposit, the ordinary deposit balance will be the basic sale threshold = 2 million yen at T8 ' To recover.

  According to this embodiment, there are the following effects. That is, in the securities company system 20, the sale condition success / failure determination processing means 24 determines whether or not the sale condition that the balance of the ordinary deposit is less than or less than the threshold for sale is satisfied. When the brand / quantity determination processing unit 25 determines the brand to be sold and the sales quantity, and based on this determination, the order processing unit 28 automatically places a selling order for the stocks held, and when the contract processing unit 29 receives the contract data, The deposit instruction processing means 30 automatically transmits the contract amount as the deposit amount to the ordinary deposit account to the bank deposit management system 50 via the communication line 1, so that the ordinary deposit balance is less than or equal to the threshold for sale. Even in this case, the balance of the ordinary deposit can be automatically recovered to the threshold for sale by the system. For this reason, the customer can maintain the balance of the ordinary deposit at a certain amount, that is, a state equal to or higher than the threshold for sale, without taking time and effort.

  Therefore, the balance of ordinary deposits generally fluctuates repeatedly due to repeated increases / decreases, for example, decreases due to deductions such as utility charges or credit card companies, and increases due to transfers such as salaries and bonuses. Even under such severe fluctuations, customers have a desire to keep a certain balance or more in a savings account in preparation for illness, etc. Can be satisfied.

  Further, the securities company system 20 is provided with trading history storage means 43 (see FIG. 5), purchase condition success / failure judgment processing means 26, purchased brand / quantity determination processing means 27, and withdrawal instruction processing means 31. , Repurchase the assets that have been released in the sale process to maintain the savings balance when the savings condition that the savings balance exceeds the purchase threshold or exceeds the purchase threshold is satisfied be able to. For this reason, since the customer originally holds the financial product (in this embodiment, stock) and constructs the portfolio with some intention, the portfolio is returned to the original state, that is, the state intended by the customer. As described above, it is possible to purchase a financial product (stock in this embodiment).

  Then, the purchased brand / quantity determination processing means 27 refers to the trading history after the reference start reference time of the trading history designated by the customer, and performs a buyback process for the assets sold after the reference start reference time of the trading history. The customer can freely specify when to return his portfolio to the current state.

  Further, when the market price data is higher than the contracted unit price at the time of sale, the purchased brand / quantity determination processing means 27 can perform processing that does not make the brand as a purchased brand. It is possible to avoid the situation of repurchasing at a high price, and depending on the difference between the selling price and the buying price in the process of selling and repurchasing assets to maintain the ordinary deposit balance above a certain amount It is possible to prevent loss.

  The purchased brand / quantity determination processing means 27 can perform the process of determining the purchased brands in descending order of the market price data from the unit price at the time of sale or the rate of decline. Thus, the purchase brands can be determined in the order in which the profit due to the difference between the selling price and the buying price can be enjoyed.

  Further, since the purchased brand / quantity determination processing means 27 can perform the process of determining the purchased brand in accordance with the purchase priority specified by the customer, the purchased brand / quantity determination processing means 27 buys back the sold brand in the order intended by the customer. Therefore, the portfolio can be quickly returned to the original state, that is, the state intended by the customer.

  Furthermore, since the sold brand / quantity determination processing means 25 can perform the process of determining the sold brand in descending order of unrealized gains, it is possible to secure a larger profit on sale when the owned brand is sold.

  Since the sold brand / quantity determination processing means 25 can perform a process of not using a brand having an unrealized loss as a sold brand, it is possible to prevent a loss of sales from occurring when the owned brand is sold.

  Further, the sold brand / quantity determination processing means 25 can perform a process of determining the sold brand in accordance with the priority at the time of sale designated by the customer, so that the held brands are sold in the order intended by the customer. Therefore, it is possible to leave the portfolio after sale in a state close to the state intended by the customer.

  Furthermore, the sale condition success / failure judgment processing means 24 can perform the sale condition success / failure judgment processing using the temporary sale threshold in addition to the basic sale threshold, so that it can manage the balance of the ordinary deposit more flexibly. In addition, it is possible to manage the balance of ordinary deposits in line with customer needs.

  Note that the present invention is not limited to the above-described embodiment, and modifications and the like within a scope where the object of the present invention can be achieved are included in the present invention.

  For example, in the embodiment, as shown in FIG. 7, the purchase condition success / failure determination process (step S10) is performed after the sale condition success / failure determination process (step S5). You may go in order.

  In the embodiment, the purchase condition success / failure determination processing unit 26, the purchased brand / quantity determination processing unit 27, and the withdrawal instruction processing unit 31 are provided, and the purchased stock is repurchased using the purchase threshold. However, such a purchase process may not be performed. However, since the portfolio of assets owned by the customer can be returned to the original state, that is, the state intended by the customer, the purchase condition success / failure determination processing means 26, the purchased brand / quantity determination processing means 27, and the withdrawal instruction processing A configuration including the means 31 is preferable.

  Furthermore, in the order processing system 10 of the above embodiment, the securities company system 20 is provided with the sale condition success / failure determination processing means 24 and the purchase condition success / failure determination processing means 26. The condition success / failure determination process is performed. However, like the order processing system 200 shown in FIG. 10, the bank deposit management system 250 performs the sale condition success / failure determination process and the purchase condition success / failure determination process, A sale condition establishment notice or purchase condition establishment notice may be received from the bank deposit management system 250 via the communication line 1.

  10, the order processing system 200 includes a securities company system 220. The securities company system 220 is connected to the bank deposit account (here, as an example, in the same manner as in the above embodiment). A deposit management system 250 for managing the account), a transaction market system 60 is connected via the communication line 2, a market value data providing system 70 is connected via the communication line 3, and a communication line 4 is connected to a terminal device 80 operated by the customer or its input agent.

  The securities company system 220 does not perform the sale condition success / failure determination process or the purchase condition success / failure determination process by itself, but receives the sale condition establishment notification and purchase condition establishment notification from the bank deposit management system 250, and the implementation described above. Rather than storing all the trading conditions data entered on the screen similar to the condition setting screen 100 (see FIG. 8) of the form, a part of the data is transmitted to the bank deposit management system 250 and stored in the deposit management system 250 Except for the point to be made, it has substantially the same configuration as the securities company system 20 of the above embodiment.

  That is, the securities company system 20 of the embodiment includes the sale condition success / failure determination processing means 24 and the purchase condition success / failure determination processing means 26, but the securities company system 220 in FIG. 10 corresponds to these means. Instead, the securities company system 220 includes sale condition establishment notification reception processing means 224 and purchase condition establishment notification reception processing means 226. Therefore, the securities company system 220 does not perform the success / failure determination process for the sale condition or the success / failure determination process for the purchase condition. Instead, the sale condition establishment notification reception processing unit 224 and the purchase condition establishment notification reception processing unit 226 Receiving the sale condition establishment notification (including the ordinary deposit balance when the sale condition is established) and the purchase condition establishment notification (including the ordinary deposit balance when the purchase condition is established) from the deposit management system 250 of It captures the establishment of purchase conditions. When the sale condition establishment notification reception processing means 224 receives the sale condition establishment notification, the sale brand / quantity determination processing means 225 performs processing. When the purchase condition establishment notification reception processing means 226 receives the purchase condition establishment notification, Processing by the brand / quantity determination processing means 227 is performed.

  In addition, the securities company system 20 of the embodiment includes the deposit balance acquisition processing unit 22 and the ordinary deposit mirror remaining storage unit 40 (see FIG. 2). However, the securities company system 220 in FIG. There is no equivalent. In the order processing system 200 of FIG. 10, the success / failure determination process of the sale condition and the success / failure determination process of the purchase condition are performed by the bank deposit management system 250, and the communication line 1 is connected from the bank deposit management system 250. This is because the sale condition establishment notice transmitted via the transaction includes the ordinary deposit balance when the sale condition is established, and the purchase condition establishment notification includes the ordinary deposit balance when the purchase condition is established.

  Further, the trading condition setting processing means 21 provided in the securities company system 20 of the above embodiment stores all of the trading condition data input on the condition setting screen 100 (see FIG. 8) as the trading condition storage means 41 ( The sale condition setting processing means 221 in FIG. 10 determines whether or not the sale condition is successful among the sale condition data input on the condition setting screen 100 (see FIG. 8). The communication line 1 is used for the sales condition data input by the sales threshold setting unit 110 used in the process and the sales condition data input by the purchase threshold setting unit 130 used in the purchase condition success / failure determination process. Are transmitted to the bank deposit management system 250 and stored in the bank deposit management system 250. Therefore, these data are stored in the trading condition storage means 241 in FIG. Without being configured to store the data in the remaining trading conditions to trading condition storage unit 241 in FIG. 10.

  Note that the market price data acquisition processing means 223, the sold brand / quantity determination processing means 225, the purchased brand / quantity determination processing means 227, the ordering processing means 228, and the execution processing provided in the securities company system 220 of FIG. Means 229, deposit instruction processing means 230, withdrawal instruction processing means 231, retained balance update processing means 232, retained balance storage means 242, trading history storage means 243, and market price data storage means 244, The same structure as each means 23, 25, 27, 28, 29, 30, 31, 32, 42, 43, 44 of the same name provided in the securities company system 20 of the embodiment is provided.

  The bank deposit management system 50 according to the embodiment does not perform the sale condition success / failure determination process or the purchase condition success / failure determination process, and thus does not need to store the sale threshold or the purchase threshold. Since the bank deposit management system 250 in FIG. 10 performs a sale condition success / failure determination process and a purchase condition success / failure determination process, the transaction condition data (basic data) input by the sale threshold value setting unit 110 (see FIG. 8). The threshold for sale, the specified threshold and the temporary threshold for sale at the specified time), and the sales condition data (purchase threshold) input in the purchase threshold setting unit 130 (see FIG. 8) Trading condition storage means 253 is provided for storing in association with identification information (account number of a savings account) or customer identification information for a securities company (account number of a securities general account). Therefore, the storage contents of the trading condition storage means 41 (see FIG. 3) of the above embodiment are the trading condition storage means 241 of the securities company system 220 of FIG. 10 and the trading condition storage means of the bank deposit management system 250 of FIG. It is in a state of being stored separately in H.253.

  In addition to the processing performed by the deposit balance management processing means 51 of the above embodiment, the deposit balance management processing means 251 of FIG. 10 is connected from the securities company system 220 via the communication line 1 by the trading condition setting processing means 221 of FIG. Sent and received trading condition data (basic sale threshold, designated and temporary sale threshold at the time of designation, and purchase threshold), and received trading condition data for bank A process of storing in the trading condition storage means 253 of FIG. 10 in association with the customer identification information (account number of the savings account) or the customer identification information for securities companies (account number of the securities general account) is executed. Further, the deposit balance management processing means 251 in FIG. 10 includes the ordinary deposit balance stored in the ordinary deposit balance storage means 252 in FIG. 10 and the trading condition data (basic data) stored in the trading condition storage means 253 in FIG. Sales thresholds, designated and temporary sales thresholds at the time of designation, and purchase thresholds), the sale condition success / failure determination process and the purchase condition success / failure determination process are executed. When it is determined that the purchase condition is established, a sale condition establishment notice or a purchase condition establishment notice is transmitted to the securities company system 220 via the communication line 1.

  Note that the ordinary deposit balance storage unit 252 provided in the bank deposit management system 250 of FIG. 10 has the same configuration as the ordinary deposit balance storage unit 52 of the above embodiment.

  As described above, the order processing system, method, and program according to the present invention are suitable for use when, for example, a securities company system and a bank deposit management system are linked.

1,2,3 Communication line 10,200 Order processing system 20,220 Securities company system 22 Deposit balance acquisition processing means 23,223 Market value data acquisition processing means 24 Sales condition success / failure determination processing means 25,225 Sale brand / quantity determination processing means 26 purchase condition success / failure determination processing means 27, 227 purchase brand / quantity determination processing means 28, 228 order processing means 29, 229 contract processing means 30, 230 deposit instruction processing means 31, 231 withdrawal instruction processing means 32, 232 Processing means 40 Normal deposit mirror remaining storage means 41 Trading condition storage means 42,242 Holding balance storage means 43,243 Trading history storage means 44,244 Market value data storage means 50,250 Deposit management system 60 Trading market system 70 Market value data providing system 224 Sales condition establishment notification reception process Means 226 purchase conditions established notification receiving processing means

Claims (3)

An order processing system configured by a computer that executes processing for placing a purchase order of a financial product by a customer into a market,
Holding balance storage means for storing the quantity of each brand of the financial product held by the customer in association with the customer identification information and the brand identification information;
Deposit balance acquisition processing means for executing processing for acquiring the customer's deposit balance at the time of updating the balance and / or periodically via a communication line from a deposit management system comprising a computer that manages the customer's deposit;
Trading condition storage means for storing the sales threshold and the purchase threshold of the financial product defined by the size of the deposit balance managed by the deposit management system in association with customer identification information;
A market price data acquisition processing means for executing a process of acquiring market price data of each stock from a transaction market system of financial products or other market price data providing system via a communication line;
Sale conditions for executing a process for determining whether or not a sale condition is satisfied that the current deposit balance acquired by the deposit balance acquisition processing means is less than or less than the threshold for sale stored in the sale condition storage means Success / failure determination processing means;
When it is determined by the sale condition success / failure determination processing means that the sale condition is satisfied, at least one of the customer's holding brands stored in the holding balance storage unit is determined as a sale brand, and the sale Dividing the current deposit balance from the threshold value by the market price data of the sold brand acquired by the market price data acquisition processing means to execute a process for determining the sale quantity of the sold brand A quantity determination processing means;
Create order data of a sell order for selling the sold brand determined by the sold brand / quantity determination processing means, and execute processing for transmitting the created order data to the trading market system via a communication line Order processing means;
A contract processing means for executing a process of receiving contract data of the sell order transmitted from the trade market system via a communication line;
Trading history storage means for storing a contract amount of contract data of the sell order received by the contract processing means in association with the brand identification information of the sold brand;
A deposit instruction processing means for executing a process of transmitting the contract amount of contractual data of the sell orders received, via the communication line to the deposit management system as payment amount for the account by the contract processing unit,
Holding balance update for executing an updating process for subtracting a fixed amount of the contract data of the selling order received by the contract processing means from the quantity stored in the holding balance storage means in association with the brand identification information of the sold brand Processing means ;
Success or failure of the purchase condition that the current deposit balance acquired by the deposit balance acquisition processing means exceeds the purchase threshold stored in the trading condition storage means or exceeds the purchase threshold Purchase condition success / failure determination processing means for executing processing for determining
When it is determined that the purchase condition is established by the purchase condition success / failure determination processing means, at least one brand of the sold brands stored in the trading history storage unit is determined as a purchased brand, For each of the determined purchased brands, within the range of a fixed amount of the sold brands stored in the trading history storage means, and for the total purchase price of the purchased brands determined from the current deposit balance for the purchase A purchased brand / quantity determination processing means for executing a process of determining a purchase quantity of the purchased brand within a range corresponding to the amount of money obtained by subtracting a threshold;
The purchase amount obtained by multiplying the purchase quantity of the purchased brand determined by the purchased brand / quantity determination processing means by the market price data of the purchased brand acquired by the market price data acquisition processing means is output from the deposit account. A withdrawal instruction process for transmitting a money request amount to the deposit management system via a communication line and executing a process of receiving a withdrawal amount from the deposit account transmitted from the deposit management system via a communication line Means and
The order processing means includes:
When the withdrawal amount from the deposit account is received by the withdrawal instruction processing means, the purchase order order data for purchasing the purchase brand determined by the purchase brand / quantity determination processing means is created and created It is configured to also execute processing for transmitting the order data to the trading market system via a communication line,
The contract processing means includes:
It is configured to also execute processing for receiving execution data of the buy order transmitted from the trading market system via a communication line,
The holding balance update processing means includes:
An update process is also performed in which the contract amount of the contract order data received by the contract processing means is added to the quantity stored in the holding balance storage means in association with the brand identification information of the purchased brand. order processing system, characterized by that. An order processing system configured by a computer that executes processing for placing a purchase order of a financial product by a customer into a market,
Holding balance storage means for storing the quantity of each brand of the financial product held by the customer in association with the customer identification information and the brand identification information;
Along with the amount obtained by subtracting the deposit balance from the sale threshold when a sale condition is established that the deposit balance is less than or less than the sale threshold for the financial product from a deposit management system comprising a computer that manages customer deposits A sale condition establishment notification reception processing means for executing a process of receiving a sale condition establishment notification transmitted via a communication line;
A market price data acquisition processing means for executing a process of acquiring market price data of each stock from a transaction market system of financial products or other market price data providing system via a communication line;
When receiving the sale condition establishment notification by the sale condition establishment notification reception processing means, at least one of the customer's holding brands stored in the holding balance storage means is determined as a sale brand and the received Divide the deposit amount from the threshold for sale by the market price data of the sold brand acquired by the market price data acquisition processing means to execute a process of determining the sale quantity of the sold brand A quantity determination processing means;
Create order data of a sell order for selling the sold brand determined by the sold brand / quantity determination processing means, and execute processing for transmitting the created order data to the trading market system via a communication line Order processing means;
A contract processing means for executing a process of receiving contract data of the sell order transmitted from the trade market system via a communication line;
Trading history storage means for storing a contract amount of contract data of the sell order received by the contract processing means in association with the brand identification information of the sold brand;
A deposit instruction processing means for executing a process of transmitting the contract amount of contractual data of the sell orders received, via the communication line to the deposit management system as payment amount for the account by the contract processing unit,
Holding balance update for executing an updating process for subtracting a fixed amount of the contract data of the selling order received by the contract processing means from the quantity stored in the holding balance storage means in association with the brand identification information of the sold brand Processing means ;
From the deposit management system, the purchase threshold is subtracted from the deposit balance when the purchase condition that the deposit balance exceeds the purchase threshold of the financial product or exceeds the purchase threshold is established. Purchase condition establishment notification reception processing means for executing a process of receiving a purchase condition establishment notification transmitted via a communication line together with the amount of money;
When the purchase condition establishment notification is received by the purchase condition establishment notification reception processing means, a brand identical to at least one of the sold brands stored in the trading history storage means is determined as a purchase brand, For each of the determined purchased brands, within the range of the approximately constant amount of the sold brands stored in the trading history storage means, and for the total purchase price of the determined purchased brands, the purchase from the received deposit balance Purchased brand / quantity determination processing means for executing processing for determining the purchase quantity of the purchased brand within a range corresponding to the amount of money obtained by subtracting the threshold for use;
The purchase amount obtained by multiplying the purchase quantity of the purchased brand determined by the purchased brand / quantity determination processing means by the market price data of the purchased brand acquired by the market price data acquisition processing means is output from the deposit account. A withdrawal instruction process for transmitting a money request amount to the deposit management system via a communication line and executing a process of receiving a withdrawal amount from the deposit account transmitted from the deposit management system via a communication line Means and
The order processing means includes:
When the withdrawal amount from the deposit account is received by the withdrawal instruction processing means, the purchase order order data for purchasing the purchase brand determined by the purchase brand / quantity determination processing means is created and created It is configured to also execute processing for transmitting the order data to the trading market system via a communication line,
The contract processing means includes:
It is configured to also execute processing for receiving execution data of the buy order transmitted from the trading market system via a communication line,
The holding balance update processing means includes:
An update process is also performed in which the contract amount of the contract order data received by the contract processing means is added to the quantity stored in the holding balance storage means in association with the brand identification information of the purchased brand. order processing system, characterized by that. As order processing system according to claim 1 or 2, a program for causing a computer to function.

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